I don't think so.
Even if Bitcoin or any other cryptocurrency is adopted by all the people, there will be whales that can manipulate prices.
The reason why gold price is more stable is not its adoption. Gold price is controlled by central banks.

If a bank create a cryptocurrency, it will be completely different from bitcoin and other existing cryptocurrencies. They will create a cryptocurrency which they can control.
It might be better to not call that centralized currency cryptocurrency.

It's a not a good idea to invest in projects that developers are unknown. if the project is legit, there is no reason to hide the identity of the developers especially when the project is in ICO phase.

Bitcoin is not what you think it is.
If no one sell bitcoin, there will be no buyer. Even if the demand is higher than supply with no reason, the price will be just a bubble.
What about you yourself? Won't you sell your coins when the price reach the value you want? Or you will always hold your coins?
There are many people like you that will finally sell their coins. That time the bubble will burst.

First, it's quite the opposite of decentralization. If you store your coins in an bank's wallet, then the government will be able to block your account. Also the privacy won't be protected.

And how much profit do you advise? 1% 2% 10% ?
Given the bitcoin price volatility these profits can be earned in only one week or even one day.

There is no problem with Bitcoin or Ethereum. That percentage you are talking about is rising due to creating of many new coins and ICOs.

New payments system might be appeared using blockchain technology in the future. But I don't think the fiat which we are using now, will be removed. Many people will use fiat specially for small things like a coffee.

Yes, This is exactly what you should do. That Ethereum address works for all the Ethereum based tokens.
Also, check the URL and SSL code when you are visiting myetherwallet.

Appcoins or any other tokens should be kept out of exchanges and in your personal wallet to be safe. Myetherwallet is a good choice. If you want more safety you can run myetherwallet offline. For more details and the instruction, visit the myetherwallet official website. Also, MetaMask or a hardware wallet are other good choices.
I recommend you to move your tokens to myetherwallet and then try to learn about safer wallets.

I don't agree. That's not fair.
When a group of people are using a signature code to promote an ICO, they are helping that project to attract more investors.
As most of investors do some research about the project and then participate in the ICO, they will not use the referral link. So bounty hunters will not receive the stakes they deserve.
It's a good idea to add the referral code in the links to get extra bonus, but giving stakes based on the number of investors have invested in the ICO using the referral links is not a good idea.

I also agree that bitcoin is so powerful and that's why I think bitcoin replacement by another altcoin will not happen in short-term. I am talking about long term. There are some problems that must be solved. Those who are trying hard,  will finally solve them.

I had previously doubted that Bitcoin would be replaced by another currency. But my mind has changed. Because I see there are many other cryptocurrencies that the developers are trying hard to solve the problems in cryptocurrencies.  What about bitcoin? We don't know who are the developers and no effort is being made to develop it.
If you don't try hard, your rivals will win. Bitcoin's rivals will win too.

Bitcoin or any other cryptocurrency should not be compared with fiat currencies. Fiat is always controlled by the central banks and the governments. But bitcoin is not controlled like fiat and the volatility is completely normal. Also, as cryptocurrencies have not officially accepted by governments, there are always fear and greed in this market and it causes the prices to change sharply.

Bigger exchange? Bigger than Binance ?
Appcoin has been listed in binance which is the biggest exchange. I don't think the volume will increase much after Appcois is listed in a new exchange. Most of cryptocurrencies traders have account in Binance.

Bitcoin developers are unknown. But it is the most successful cryptocurrency. But developers of all the other coins that I personally know are known. And I think developers of all the coins that will be created in future, must be known. Because no one will trust unknown developers as there are many scam projects.

National cryptocurrency? What is that?
As, they worry about money laundering, so most probably, they want to create something which they can control transactions. Before trying to create that, they should know that they are not create a cryptocurrency. A cryptocurrency must be decentralized.

If unsold tokens are not burnt, they are same as free money for the team. There is a probability that they sell that tokens in the market after the end of ICO and it will cause the price to fall.

Yes, It's the best thing you can do and you will never lose money and you will be always in profit. But there is big problem. The market is so unpredictable. There is a high probability that you sell your coins for tether and then the prices rise. Sometimes hodling works better.

Why are you such negative?
Cryptocurrencies is something can be used for the payments. It's not a bad idea if it is taught. If some one don't know bitcoin completely, it's more risky. Better to know bitcoin and use it with knowledge.

Those who are saying that bitcoin is same as fiat that can be used for illegal activities are right. But we cannot ignore the big difference of fiat and bitcoin.
Are senders and receivers unknown when fiat is used?