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Well I don't think any average person is really keeping large amounts of money in bitcoin.

It has mostly a transactional since the use cases are so niche.

>use cases are so niche

This is a first-world misperception. There is half a world excluded from traditional payment methods.

Is Bitcoin a realistic option for those people?

Not yet. Five years I'd guess.

Maybe for low-fee international money orders. Certainly not for everyday transactions away from the internet.

That's actually not true. One of the reasons price is high is because people right now are hoarding.

The reward for block discovery also halved quite recently from 50 bitcoins to 25 bitcoins.