All of the above work, if you cant wrap your head around the fact that their the same thing you probably shouldnt be using Bitcoin.
I foresee use and acceptance by people who can't wrap their head around how to balance a checkbook. Whether that's a good thing is a matter for debate, but trying to keep the muggles out by using arcane terminology isn't good for anyone.The person who taught me more than I ever wanted to know about sales told me that the radio station that everyone listens to is "WII-FM": "What's In It For Me". If you want to be heard, broadcast on that frequency.
And looking at the matter semantically, cryptography is used in Bitcoin's implementation, but the implementation details don't really concern anyone but us nerds. What makes Bitcoin special is its ability to traverse the Internet in realtime, peer-to-peer, without restriction. So "network currency" is a much more apt description than "cryptocurrency". And probably gives people a much better idea of why it'd be useful to them.
TLDR:
+1 for "network currency".
