You're being too restrictive.
Even bitcoin has NO POTENTIAL for that.
Bitcoin will remain used for buying illegal stuff, exchange some money between countries, buy some stuff on internet (for geeks, because it's more expensive to buy bitcoins, pay fees, and pay with bitcoins that pay with money at the first place...), and give some money to wannabe traders ... It will never be close to massively adopted because (1) confirmations are way too long (2) fees are too high (3) there is not enough security that you can safely keep large amount of money (like what you win for 20 years for example....).