I've been paying people/friends in bitcoins, and receiving loan money in bitcoins and omfg I LOVE IT!
Bitcoin will not be going anywhere anytime soon, except growing more and more strong. The feeling of sending/receiving any amounts (small and big) to friends or people who owe me, or I owe them, is so damn nice.
$0 paid towards bank and fees, that is worth having around wouldn't you say?
Biggy, also I want to point out you are wrong about "bitcoin is only going down since the $1200 days", it is up and down always, just like any currency, look at how it rebounded after the mtgox failure, if you don't see anything positive from that rebound then I think you are covering your eyes and ears.
