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I'm entirely unsure.
Mybitcoin.com stole my bitcoins (I admit, it was stupid of me to keep them there). Then, when they promised to return 40%, I accidentally entered my old address, not a new one, and poof! all those bitcoins were sent into the ether. Gone for everyone. The infrastructure has to get much better. Otherwise I wouldn't feel comfortable holding large amounts of cash in BTC. Yet, what would suffice as 'better infrastructure' may be antithetical to the goals of bitcoin. Would any company be willing to hold BTC and insure it with cash? Unless that happens, I think it will remain on the periphery.