Bitcoin is going to be a protocol.
Bitcoin is not currently a protocol.
Bitcoin is like the Internet. The Internet has 8 layers of infrastructure, that let you go on FaceBook. But it didn’t start with 8 layers.
Bitcoin has 1 ½ layers. The blockchain, and maybe Lightning Network.
We have to wait and see what Bitcoin layers on-top of itself. Then it will be very useable.
People don’t know what TCP/IP is or does. Perhaps people will barely know what Bitcoin is or does.