The following are NOT impacted by Bitcoin

A. Over 90% of individual people are NOT impacted.

Exceptions: Very High Net Worth individuals, and individuals involved in remittances.

B. The Lending Industry is NOT impacted,

because at the network level all Bitcoin transactions are debit transactions.
Two Exceptions:

B.1 The Factoring Industry, which lends to cash flow sensitive industries by the day will be challenged

B.2 The lenders of a small country may actually get repaid ADD LINK HERE

C. Credit Card processing when there is a balance carried is NOT impacted,

because at the network level all Bitcoin transactions are debit transactions.

It should be mentioned that beyond the network level, there exists some "lending" in Bitcoin, but that is simply a loan where each side gambles that the price of Bitcoin will move in opposite directions. No sane borrower should ever take such a gamble. There is also plain gambling available for Bitcoin, just like there is gambling with regular money.

D. Credit Card processing with rewards programs are NOT impacted.

Even though in the U.S. Bitcoin is a commodity, it can be used like e-cash. For as long as merchants charge same price for cash or credit, if a credit card offers a reward, the customer is better off using the credit card which gives them the reward. The reward comes from the customer's money after all.

E. Debit Card processing, mostly

Bitcoin is a “push” method, and in theory competes with debit card processing, and for far lower fees. In practice the debit cards are entrenched and have instant settlement, so the small incremental savings on fees that Bitcoin offers are unlikely to carve out a significant share of that market.

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