I don't expect mass adoption. Holding bitcoin will become less attractive as the halvings become increasingly insignificant, block subsidy falls, and fees rise. Lightning could be a viable substitute for settled bitcoin, as well as other coins with similar properties, and metal coins. The other alternatives you mention entail lending, which is no substitute for holding one's own money.

https://github.com/libbitcoin/libbitcoin-system/wiki/Substitution-Principle