Don't have any my self. I think it is just a fad to do with the lowering of real world money.
A easy way to liken it to is fine wine. wine works because it has people investing in the wine to make a profit down the road. like Bitcoin you only make more if the interest in the currency is strong enough to justify the high price same as for wine. the interest in one vintage will push the price up. but as with any thing the price can be artificially heightened. in wine the price is just been artificially raised by the Chinese in resent years. like the price of bit coins being raised by the resent events in Europe. The problem of having the price inflated means that the fall at the other end will be catastrophic and will see a big decline. As with wine the market got to big the Chinese started making there own wine and some chateau moved out of the market to direct sales and have had a down turn in profit. The same could happen to Bitcoin as the people who entered on the back of declining European markets exits when thy have recovered the currency falls in value.
Bitcoins may get enough of a following to survive the problems but since the currency is not backed by anything like real world currency (resources, economy etc). It is only backed by user interest. it will have a hard time justifying a high price if it gains enough user use.
As with hacking real world banks get hacked all the time same with Bitcoins. Bitcoin is harder to hide incidents of hacking because it is web based so has more exposure than regular banks. Bitcoin,s equivalent to a bank is a wallet. so hacking will be more prevalent with Bitcoin as it doesn't have the same backups as banks or the level of user input to replace lost money.
as with using Bitcoins. you use them as you use ordinary money on the web, just you have to use services that except them. There are a few banks that are trying to bring Bitcoins to the real world so you will be able to have instant transfer from Bitcoins to real world currency.
overall hopefully Bitcoins take off big time as it will decentralize currency and stop a lot of the problems with real world currency.