once bitcoin value goes to zero, it will go a long way if it just rebranded/restructured itself as payment transfer system rather than a "currency".

there's no reason why bitcoin should have these ridiculous valuations. User loads fiat 1-for-1 into Bitcoin system which allows them to transfer to others for goods and services. Receivers keep the bitcoin or offload back into fiat. Bitcoin miners collect a transactions processing fee for facilitating the transaction.