Could you elaborate ob your last point?
Regarding the first point: To my understating, as a Ex-Bitcoiner, the whole point is a massive distrust in financial institutions + the idea that the whole hierarchy of banks and clients seems superfluous, and could be done away with. Insted of giving up your responsibilities that you get by having money, you take them into your own hand, leaving banks and the similar with nothing left to do.
Now it will obviously make no sense to use bitcoin like Dollar/Pound/Euro+bank, because it isn't made for that. Currently (as far as I know) there are some internal struggles between the "core developers" because of this fact. For-Profit companies like CoinBase and BitPay would like to expand their market at the cost of the distributed network, while others say the whole point of the network would be lost by giving in to them.