Some good stuff here.

Yes, we are in the innovator stage of crypto-currencies, however, the timeline till massive adoption is most likely less than 10 years.

Banks and the Infernal Revolting Screws are turning up the heat. They are already charging higher and higher fees. Soon they will be charging percent on just holding currency.

Since so many already use PayPal, and most already use debit and credit cards, massive adoption is just a small step for most.

The only thing that bitcoin really needs to do is make wallets user friendly. As in, being able to confirm that you are sending to the correct address before hitting send.