There's a beautiful irony there, the best thing that bitcoin has going for it is the very same thing that's keeping it from being useful as an actual currency.
Maybe the speculative "hold to hoard/invest/speculate" thing is just a phase.
There is no lack of irony when you are dealing with cognitive dissonance!
We have ton of unstable events going on in credit card land, but the vast majority of individuals filter those events from their fears because they are bored with that type of news. With Bitcoin, it's interesting, so you pay attention. Once you start paying attention, it's not hard to be surprised about something happening within the movement. If anything happens that causes a concern (fear) you get people going "Oh my gosh! Look at how awful this Bitcoin thing is because it's so unstable! It's gonna fail, for sure!".
Wait a few minutes. The hive mind will find something else to become surprised/fearful about soon enough. Boredom will kick in and everyone will settle down and forget their fears. By then they'll wonder how they lived without it.
Maybe the speculative "hold to hoard/invest/speculate" thing is just a phase.