It's a mistake to think that the exciting thing about bitcoin is as a new kind of payment system for consumers.

Instead, it's a rock solid foundation for a new global financial/monetary system in which every nation state, organization, and individual can participate without the permission of any privileged group.

It's a neutral, digital money, like gold was a neutral, physical money.

I fully expect that if it becomes a new money standard, we will in fact see higher layer payment networks (like Visa, Paypal, etc) that provide consumer protection services (for a fat fee) on top of the bitcoin network. Those people who don't want the responsibility of self custodying their money in a way that can't be recovered if they are robbed, can choose to bank with these services.