Actually I don't think crypto will ever replace fiat, I think they will co-exist to serve different purposes.

What is your opinion?

My thinking match with yours, they will co-exist . Recently, Sweden has been announced as a country which has no currency use anymore.

Not really no-currency. But they are thinking of making their country cashless... What we have to realize, it's going to take a LONG time.

Will take a very long time. People are so bounded to old fashion standards.