The main problem is banks or governments are not taking it easily because they can’t control it at all. But we have seen many revolutions that took place in this earth. Cryptocurrencies are advanced currency, it will take a bit time. But in 5 years we will see a huge wave of cryptocurrency in mainstream system.
Actually it never been easy to be adopted by banks and goverments , so many challenges even it's so advanced with the 4.0 technology .
Actually i think they're considered Bitcoin as a threaten not a good technology or tools to be used.
So Bitcoin could never be adopted by banks and goverments.