Yea you will... eventually (if commercial adoption is high enough) you're going to go to the store to buy something in BTC and see your coins are at your machine at work.. or at home.. anywhere but on your phone where you need them now... you'll have to remote in a few times... then eventually you'll be like "forget this, i'll just put them in a bitcoin bank / ewallet / whatever" so you can access them securely from anywhere.
You underestimate me. I drive 10 miles out of my way to withdraw cash should I have no cash to buy a pack of smokes. I refuse to have merchants be taxed extra because of credit/debit card purchases. Opened up a bank account just for Bitcoin, been 6 years since I had one prior.