Then establishing webshops selling groceries, hardware, you name it.
If the webshops even keep some percentage of Moneros without dumping it, it will create marketcap for the coin since there is some value which the webshops create, stored into Monero.
I think the merchant tools and especially after that webshops are the largest challenge for 2015.
This requires also more liquid markets (which is enabled partially by Moneroclub btw).
Sure. But if we regard monero as the ultimate wealth preservation tool, as the New Gold, then the actual practical usability is not a hindrance to the adoption. The adoption numbers may not be high (the same with gold - in most countries people don't have wealth to preserve, nor the understanding to do it even if they had some), but the adopters will be informed and ardent. Just like the situation with Monero and CK is.
I'm generally a proponent of the e-gold view, holding that cryptocurrencies can take the place of gold because they are cheaper to store securely, cheaper to transfer, etc. This can give enormous value even without being used in place of a visa card (i.e. at least hundreds if not thousands of times more than BTC's value today). Ultimately I also believe that being inherently anonymous gives Monero the edge here and the network effect of Bitcoin is largely blunted (since how many different ways you can earn or spend coins is not what gives it value). So there is a large opportunity here, uncertain of course. This will also, even in the best case, not happen overnight. It will take years if not decades, though some progress may be achieved sooner.
However, a certain amount of usability is required to reach that goal, in addition to being highly robust. Monero is not quite there yet. Progress is slow but steady.