It definitely is far infront of the older payment tools, but the financial world in its current form is too powerfull to allow Bitcoin to take over.
And btw.... We don't need Bitcoin to take over everything, it's a great alternative already, so no need to wait, use it now!!
I couldn't agree more with this.
Bitcoin's slow adoption is nothing to do with its tech, it's to do with resistance from regulatory, bank and financial entities.
It will slowly eat its way into the markets those things currently control and eventually be accepted even by them.
And yes, we don't need it to take over everything (ever or soon), and we can use it preferentially right now.