I'm assuming you both are from locations where banks and money transfers are relatively easy with the systems that have been in place for decades. If you're in the US, you have many options. Banks that are trustworthy for the most part. You have FDIC assurance. The US dollar is a relatively stable currency. ACH transfers, while they take a few days, work great. Bitcoin is not meant for us.
Go to places with capital controls like China. Go to places with currency instability like Venezuela or Argentina, where the native government issued currencies are not as easily usable.
There bitcoin is actually welcomed with open arms. I bet more people in Venezuela use bitcoin on a daily basis just to survive and buy every day things than people who know what bitcoin is in the US.
The US and a few other countries that have stable currencies are the exception, not the rule. Bitcoin is meant for the rest of the world to facilitate easier transfer of money, to hold on to value what people currently have, and to easily use the currency for transactions.
Now a lot of people still don't have bitcoin, even those for whom the currency is really meant for. There's a finite supply. In a few years a majority of the world, say at least 4 billion worth will be trying to get their hands on just 21 million bitcoin.
I think the value will be there as an investment.
Indeed, bitcoin is an alternative currency which has utilities in daily basis.
I'm not sure about what Op mentioned, just don't get it properly, but people could treat bitcoin as investment and it's pretty safe.
There are few regulations in few different countries regards cryptocurrency, and the best place is Japan due to bitcoin has been legalized in there. If you said:
but the lack of proper monitoring system by implementing different protocols, will cause;
client are demotivated for using this currency on investment projects, of course it is. That's why bitcoiners trying to submit ETF to IRS to regulate it, but it's not easy due bitcoin volatility.
