When you say risk deferment, which type of risk are you discussing specifically?
I see cryptocurrency use as being largely automated and transparent to the consumer in future. I think Bitcoin may have a place, but other more popular systems will provide solutions to many of its more gaping issues (rapid local settlement suitable for point of sale, complexity of implementation, lack of chargeback/cancellation channels, initial counterparty trust bootstrap, reputation management, etc.)
I started having a think about how these might come together over here ... comments/thoughts/collaboration welcome. http://ifex-project.org/
If bitcoin were to become mainstream, the transactional cost would raise because of the overhead with risk deferment.
Cryptocurrencies will definitely become mainstream because of the international and speed factors, but I don't think it will be bitcoin.