[barnaby]

Agreed. Going from a NZ bank to another country's bank isn't that simple anymore. Using an international currency makes it equally simple anywhere in the world.

Bitcoin already has a better user experience than banks. Just give it another year or two, to the point where bitcoin will be invisible to users the same way that Linux is invisible (yet, the world runs on it). These services will be rewritten with bitcoin under the hood and nobody will even know or care.

[seestheday]

I think you're radically underestimating the entrenched interests that are at play here.