To be honest, I think is basic premise is correct, "Consumers will demand that they have a [mobile] wallet, so wallets will become prevalent because of adoption of mobile", but the conclusion to be way off base. The average consumer is NOT going to want an irreversible payment system like bitcoin for their online wallet. There is simply too much fraud, theft, etc for the average consumer to feel safe. They are going to want the credit card type systems that have protection against unauthorized transactions.
I think the obvious future direction is for consumers to use multi-currency/card wallets, or at least to use multiple wallets.
Bitcoin because 'There is simply too much fraud, theft, etc for the average consumer to feel safe' about their identity information, to be able to take advantage of any discounts offered, to be able to donate to wikileaks etc., to be able send to anyone overseas, to make cheap transactions, ...
Cards in a wallet are essential as a temporary measure, of course.
Choice is important.
