Bitcoin is a long way away from being the no 1 payment and it may never get there. Firstly it needs to be an option before it can become the no 1. If it's a viable alternative to VISA for example then in time it can steal away the flow of money and replace it.
Absolute accurate. I don't think there's a way where money will BE replace and also think Bitcoin is not going to in the top 3 preferred methods to pay. We already have several methods to pay online, therefore I believe is just going to be one more on the pile.