The only people holding Bitcoin are speculators. Even the ones who use it are speculators. No average Joe is using Bitcoin because it's price is all over the place, it has shit security, and if you lose your key your money is gone forever. There is no calling customer service to get your lost key. Add to that the banking cartel and government will never allow an unregulated currency they cant fully monitor and control. They will crush every hub and site to stave off the flow.
Sure there will still be ways to access it, and once again this will only be done by the speculators who are the only ones holding it, but without the universal adoption by average Joe's due to every reason I listed above it will never be shit. It's the equivalent of only shareholders of a particular stock buying the service and holding the shares. Without regular adoption by people wanting the service that stock isnt shit. There will come a stable digital coin via blockchain, but it will be one regulated and controlled by the banking cartel and government, and it won't be Bitcoin.