On its way to becoming an asset indeed. Over the last year bitcoin has seen a ~20,000% return rate. If bitcoin gets uberpopular (i.e. each coin is worth ~ US$2m) within 20 years, then BitCoin would have a return rate of ~ 85% per year consistently for the next 20 years. There is practically nothing else with that close a return rate, so the only financially sound course is to hoard your BitCoin, not spend them.