From a practical sense, Bitcoin is a decent substitute for wires/swift for money transfers.
There are too few ways to transact in native bitcoin, so that is a fail.
Its (and I am not casting aspersions) a speculative investment.
There are too many risks (govt regulators, competing crypto emerging that address bitcoin shortfalls are a couple of big ones) to state “its here to stay” in my opinion.
“From a practical sense, Bitcoin is a decent substitute for wires/swift for money transfers.”
That’s where it’s actually useful and where its intrinsic value resides. It can save financial firms money every time that they move money around with it. It’s the transaction function that they want it for, not as a store of value.