On the other hand, all of your examples could easily be addressed if there was sufficient demand for it. So Bitcoin could be valuable in disrupting payment sys

On the other hand, all of your examples could easily be addressed if there was sufficient demand for it. So Bitcoin could be valuable in disrupting payment systems: Step 1: Bitcoin becomes superior to traditional payment systems. Step 2: This becomes relevant enough in the large scheme of things that Bitcoin gets serious adoption outside of speculation. Step 3: Traditional payment providers up their game. Step 4: Traditional payment providers win, because their intrinsic costs are lower (mining is inherently costly and not needed for traditional payment systems). So - there's a buck to be made in Bitcoin, but it's implausible that Bitcoin should remain superior to more traditional systems in the long term (except for illegal purposes).