Agreed there is far to much money and infrastructure in place that bitcoin holds that it will take much more then a simple hard fork of the coin to replace it.

I do believe business will start accepting cryptocurrency once regulations come into place which seem to be speeding up at the moment for exchanges. It will become more common place and banks will continue to fight back vs it since it will be making their credit cards obsolete.

It will take time but it is happening for sure when you look at how quickly things have been changing since just last year.