If Apple and the banks face problems getting Apple Pay accepted, the challenge ahead for Bitcoin is many times more daunting. Simply being a clever or novel technology is not going to be enough. If 2014 was a tough year for Bitcoin, it doesn’t seem likely that 2015 will be any better.
^That's his thesis right here after going through the bad news from 2014, so not really any concrete projections of 2015 not being much better. It's easy for these writers to look at a picture of something in total hindsight and then make speculation for what's to lie ahead. The amount of intestinal fortitude that many have developed over the last year is something that will stick with them for the rest of their lives.