When bubbles pop, you're looking at a 95%+ drop, obviously this is just a rough number. With highly volatile markets like this 61.8% is just one of those rainy days that come once in a while, it isn't anything to be really concerned about unless it drops even further.

Bitcoin will not have a future period. There are so many altcoins that have better capabilities than bitcoin that do the same thing and once objective reality hits, we will see a digression from bitcoin being in the spotlight. On an even broader note, there is absolutely no future for any coin (at the moment) which global governments will adopt as a system of exchange.

Firstly, there's very little wrong with current banking methods.

1. Many coins (including bitcoin) are trying to fix a problem that doesn't exist, in a much poorer fashion. I would much rather use a centralized payment method like Paypal to avoid the high fees, time and frustration for the lack of customer support.

2. The problems that currently exist for banks (I.e. transaction time for wire transfers) can be fixed by an internal solution as opposed to adopting something like Ripple. Banks rarely use third party creations as opposed to their own and I dont see why they cant and wont do something similar in the future.

Further, government regulations simply wont allow it. We have seen multiple governments trying to remove cryptocurrencies from main circulation in the economy. This won't change in the future.