I think you are perhaps confusing USD as a "currency" with all the financial services that have built-up around it.
JollyGreen was asking about 'typical people'. And I think he was asking about "right now".
Typical people aren't going to distinguish the currency from all of the financial services that make the currency safe, convenient, etc. And I think we should be honest-- bitcoin-the-currency needs more mature financial services before bitcoin-the-system makes sense as a payment solution for typical people.