The micropayments claim is a red herring. If Bitcoin were to actually take off for micropayments, it would no longer scale, and/or the operation of Bitcoin nodes would be limited to people with very serious hardware. At that point, we're back to the game that is currently being played by banks, just with different players in charge.
So it's understandable that many people hope that such a transition will happen and that they will end up in charge after that transition.
For the society as a whole, however, Bitcoin does not have an inherent advantage that is sustainably scalable.
You're assuming no progress will be made in bitcoin scalibility in the near future, and comparing it to another technology stack that arguably hasn't seen any meaningful innovation in 40 years (since the advent of the debit/credit card.)
If there really hasn't been any meaningful innovation in that other technology stack, then the situation looks actually looks worse for the long-term fate of Bitcoin, because it means that the other technology stack could easily improve given the incentive.
That doesn't mean that Bitcoin will disappear or anything like that. It's just not going to become the prevalent unit of account as a currency.
Oh no question, MasterCard et al are going to change their tune greatly in the coming years due to this new competition, and we're all going to benefit from this.
So it's understandable that many people hope that such a transition will happen and that they will end up in charge after that transition.
For the society as a whole, however, Bitcoin does not have an inherent advantage that is sustainably scalable.