Yep I agree on that bitcoin could be maximum gold, but a currency... I am 99% sure that it can't happen. It wouldn't be practical, because the fixed amount of supply (the scarcity) will keep the price rising.
Haha most crypto evangelists would be sad if cryptos build be in the hands of banks. I think at first it will be taken over by the banks, and maybe in the far future let's say 30 to 40 years from now, we may move on to a decentralized currency.
BTC will never be a day to day currency, that you use to buy your over priced $6 coffee at SBUX