This is also true of fiat. If I download a fake PayPal app, or log in to my bank account on a malware infected machine, I can lose my money.
True, but both PayPal and bank transactions are reversible. Anything you do with bitcoin gets permanently etched into the blockchain if it's valid.
This is cumbersome, I'll admit, but really this is what people should be doing for all apps and software they install.
I agree with you, but we both know that is not the case. One of the reasons is the long-term reliance on the fact that our mistakes are easily fixable by someone else (a centralized party).
And how is that any different to a bank account number, routing number, IBAN, credit card number, etc?
Fair point!
Let's imagine it the other way around. For decades the whole world has used bitcoin...
I understand what you are saying, and it makes sense, but that's not the world we live in. That's why in my mind, I wasn't considering that as a possibility or a starting ground. People will generally lean towards the easier, more user friendly, and cheaper route rather than the one which is more secure, privacy focused, and requires a bit more thinking.
That's why if given a choice, I think that most (not all), but most will go with fiat rather than with crypto. If we manage to close that gap and it becomes 50/50, I think we would have already come a long way.