"It’s too far off…It would change the banking system too drastically."
I find this quote rather vague. Right now bitcoin is off in the sense that it's not ready (yet) for major adoption and as a means of payment for micro transactions. It's still way to ineffective when it comes to afforable micro transactions. But Satoshi never openly said bitcoin would overtake cash issued by governments, that was a creation by the users. And bitcoin doesn't have to, but that doesn't me it can't (provided we can come up and succesfully implement updates like Lightning Network that would allow for afforable micro transactions to occur practically instantaneously). The point of crypto isn't to kill cash, or to replace it. It never was, and never will be. It's nothing more than an alternative for those who like to hold something they really own, avoid seeing their wealth lose purchasing power year after year, and avoid having to deal with this on debt based system, etc. Physical cash will however lose a significant part of its market share throughout the years, and that has already been happening, but that's not really something caused by crypto currencies. Digital payment infrastructure in most developed economies is top notch, where people get convenience, usability, and security all at once. In other words, people will have only have less incentive to use physical money.
Correct. This is what I said earlier. I don't confidently say it never will, time will tell. 
