"The insurance covers losses due to breaches in physical or cyber security, accidental loss, and employee theft. It doesn’t cover bitcoin lost or stolen as a result of an individual user’s negligence to maintain secure control over their login credentials."

http://blog.coinbase.com/post/95927658922/coinbase-is-insure...

The only major fork that was adopted was because it was a critical bug that split half the network, and the entire network was shutdown in early 2013. This caused even more volatility as people sold. Honest question: Are they shutting down the network to force every enhancement, every change to policy? That's not a feature for a cryptocurrency, or even a currency.

This is just one of the real technical limitations, and even so, bitcoin is more than just a technology. As a decentralized network, the decision making power is distributed across it's many parts, which includes the users who employ it. Your insistence that we only discuss the technical limitations of bitcoin belies textbook confirmation bias.

Your credibility comes into question with your stubbornness in ignoring how currencies and payment processors work, and your No-True-Scotsman fallacy approach to twisting hypotheticals support bitcoin.

It's clear you have confirmation bias even now, and yes, ad hominem is appropriate when you yourself have demonstrated that you are fallacious.