The vast majority of people don't understand money, how they came to be and what they represent... how do you aspect them to understand the benefits of using BTC as a currency?
You are confuseing things. A credit card is not a new currency, it just provide the means to spend existing currency: the dollar. This is a different thing, I different ideology that many of my friends have a hard time understanding. Make an experiment: try to explain to a poor uneducated man what bitcoin is and you might be amaized of what he understand.
Indeed you are right, but the bigger the change the bigger the resistance, and BTC over usd it is a huuuuuge change.