This would be true except that not all coins need to be all things.

The future use cases of bitcoin will be

• standard by which others are measured
• international trade settlements
• corporate deal settlements
• buying high value assets.
• store of value.

And so, bitcoin being slow will actually be a good thing.
Like the administrations of all those using it.
Being a public record will also be good thing. Transparency will be demanded.

Right now bitcoin fills this roll perfectly.
And, if it really needed to change, then it is just code. It could change in between any two blocks.

I would advice people that when bitcoin goes moonshot to cash out into coins and tokens that do what you want. Because being locked into bitcoin will leave you locked into only buying houses or other big ticket items. (pretty much for the reasons you stated)