***UNLESS I CAN SEE IT PLACED IN MY $$$ BANK ACCOUNT IN REAL TIME***
Which goes to show you are missing the point of using it as a currency. A real currency is something you hold onto, not exchange at first opportunity.
You hold onto a real currency because you are confident it will retain its value over time. As a result, there is no pressing need to get rid of it because what costs a dollar today will probably cost the same tomorrow. When the value of currency is uncertain, such as the hyper inflation some countries experienced or when governments limit liquidity, people generally dump the currency as fat as they can.
You only think you need to do that because you think the exchange rate of BitC against some other currency is too high. Why? Are you SURE about that? Because lots of people were saying the same thing all along, at much lower values. What if BitC doubles in value again? Then you would have been an idiot to exchange it away.
What you are describing is not a currency but an investment. People buy it because they think it will increase in value and hold on to it; not because they can use it to buy stuff. Th problem is Bitcoins are thinly traded and not very liquid. If you decide you want to dump a million dollars worth it is not as easy as putting in a market order for a stock and knowing you can sell it because market makers keep the market liquid.
As with currency, investments require a degree of trust in the system. Scams such as occurred in China or the recent thefts damage that trust and will ultimately drive people form the market, making Bitcoin even less liquid.
That's not tos ay Bitcoin can't succeed or find its niche long term; just that there are serious issues it needs to address before it will become a real, viable currency.