What
I want is to be able to easily pay for things, but also without having to trust an intermediary who takes a percentage off the top.
The ultimate reason why I have a bank account is so that my employers can deposit their payroll into it. And since my money is already there, I pay my bills and expenses from it.
I fully expect my bank to narc on me to the feds at every turn, and screw me hard if I ever have a real problem with them. I expect them to nickel-and-dime me with fees. I expect them to introduce seemingly arbitrary delays and paperwork requirements for their own convenience. I expect them to offer rates on deposits that cannot keep up with inflation and charge rates on loans and credit that would make even the serenest of divine avatars flip tables. And if the turds ever hit the turbines, I expect that making a trip to the nearest bank branch office would be the least useful thing I could possibly do.
I don't really have a lot of confidence in Bitcoin, but the bar they need to pass with respect to trust is ridiculously low--set there by the banking system. Where they fail is definitely convenience.
If my employer offered to make payroll in Bitcoin, and if my local utilities, gas stations, and grocery stores accepted payment in Bitcoin, I would be using it already.
But all those places prefer to trust human bankers rather than crypto algorithms running in a distributed computing network. I don't see that changing any time soon. If anything, an alt-currency backed by an alliance of megaretailers like Walmart, Target, and Amazon would have to crack that nut first. To drive adoption, there has to be support at the point-of-sale terminals.