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Also the BTC vs cash money comparison is flawed. It should be BTC vs wire transfers vs credit cards.
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Bitcoin will never replace credit cards if you ask me.
I think Bitcoin´s main value proposition is the fact that it can be a store of value due to
its unique characteristics that make it a form of sound money (hard cap on the total
amount of BTC, predictable issuance schedule, scarcity...).
Credit cards will always be more efficient in terms of transaction volume per second, because Bitcoin is designed in a way
that requires a trade-off between efficiency and decentralization/security.
2nd-layer solutions might change that in the future, however they will run into the same issue
when they are designed in a way that leads to a decentralized system.