I beg to disagree.. the paper money will not ever replace even digital currencies. Its that’s not a concept most people can get their heads around, which has been Bitcoin’s great limitation. It might overcome that hurdle, or it might not. The only certainty is that money will keep evolving. If money represents value, and value is a reflection of our needs and desires, then money is simply a reflection of us. And it will continue to change as long as we do.
While I don't particularly disagree with your point that Bitcoin might never replace paper money (since that seems to be what you meant to say, it was hard to decipher your message), I can't possibly agree that the technicalities of Bitcoin could hinder its adoption. They can be very well hidden by the wrappers which web wallets already use. In fact, just to fill a typical bank payment order you need to spend substantially more time and effort than to make a Bitcoin payment. Even if you use a bank payment card, you still need to enter a lot of auxiliary data (such as card holder's name, expiry date, security code, maybe, something else that I don't know of) while in order to make a Bitcoin payment you need only to enter the receiving wallet address and the amount to transfer. I mean if you use a web wallet, of course...
In this way, I don't really think that the technicalities are a real obstacle
For me, it's the trust issue.. Banks are centralized and people especially the depositors are comfortable with their money as they know it's secured while in bitcoin it's not safe because it's decentralize and when the entire system is down our money will be lost. Simple as that why people continue to use paper money as it's government regulated.
It is false security. Indeed, in some countries bank deposits are insured (at least, up to a certain amount), but even if all countries provided a sort of insurance for bank deposits, that still wouldn't prevent inflation from slowly but surely eating away the value of money held on deposits. Further, many developing countries are known for sudden devaluations of their currencies when the currency loses half or even more of its purchasing power overnight...
Bitcoin is risky, but even hard assets such as gold are not completely risk free
For each country banks are covered by the law which will help the customers,investors of that bankrupted bank. That is what you call an insurance. So even the bank will be bankrupt still there is an alloted money for those people who the bank owed money. So you don't have to worry about it, you just need to browse the banking secrecy law and everything about it.
Tell that to the victims of the Cyprus hair-cut
. payment transactions with a card, atm card and shopping. and also because paper money is less efficient if in large quantities. but it's still in the long term because of the profit they make money medium digital / electronic novelty of this period. 
