So, if the world is rife with bad actors, why does cash work so well offline? You should consider that online systems are more risky, mostly due to their pull-based nature, which is why so many roadblocks exist in traditional Internet-based value routing systems. As for competitive, clearly you've never bought something with Bitcoin online.
What's clear is that you have a cognitive bias about bitcoin - I have used it online, which is irrelevant because you can make statements critical to something without having ever used it.
You're canvassing this thread making vapid pro-bitcoin arguments, which is probably your attempt to reconcile reality with your constructed view of Bitcoin. It's okay to admit Bitcoin isn't competitive.