A problem with Bitcoin/ETH and transactions is that very few will agree to have their 'credit card' flow of information broadcast publicly. And people should be reluctant to buy Bitcoin since it could potentially come from a criminal stash on some sort of watch list so it could put them in danger for simply buying some coins.
For this reason Monero is going to disrupt the cryptocurrency industry. I think for digital gold Bitcoin is fine and ETH for smart contracts but for some other uses people are excited about like being used on the same scale and as fiat they will be disappointed because the fundamentals are not suitable for it.
But do you think that it would be much safer to store some of your money in bitcoins? I like Monero too but to be honest it still remains to be seen if it will be a long term cryptocoin like bitcoin. I am still not convinced that the acceptance in the darknet will be enough. It must be used in the darknet but I heard that the merchants accepting it are going down.