Indeed, didn't think about it, but fees are a problem as well. Also, if bitcoin had to manage the throughput of VISA (or even a fraction of it, at this point), capacity issues would probably worsen dramatically.
It's probably best to stop hoping it will be a currency altogether (unless some radical changes occur). Best shot would be to see it as saving/investment accounts, with smart tricks like prepaid visa cards as a mean to tap into it (I want to buy a car, I charge my prepaid card and pay with it at car dealer, fast transfer compared to a wire transfer, no "weekly withdraw limit" issue and still as convenient as a debit card).