Bitcoin remains terribly user unfriendly. It's also very easy to make an irreversible mistake and lose your BTC. It's years away from being useful as a currency, IMO. Not only must bitcoin be at least as easy to use as current payment systems, it has to be stable, or at least have a multi-year run up in value.

Apple Pay isn't going to become the next payment protocol because they are another middle man that is locked in one platform. Bitcoin has the massive benefit of being open, but it is nascent and dwarfed by the current services. It's going to take years and years.

Bitcoin's blockchain has much to offer the financial space when it comes to asset management, and that's where I expect it to be put to use long before it is a currency. No one creates a successful currency. However assets can acquire value and then become useful for the exchange of value. To the extent that the bitcoin network is essential, BTC will have a floor of value. But right now, the price is almost all speculation.

BTC could fall in value down to a few bucks, and miners can still make money on it, and people can still build apps that use the blockchain. That could go on for years before the real value of the network starts to push the value of BTC higher and higher.