It is said that bitcoin will destroy the fiat system but i believe that if this happens the world will change completly because banks and a lot of things will go out of market.
I do not think that the Bitcoin is going to be used by everyone in 2022 because I think that most people are just not interested in something like Bitcoin.
But you never know I also can be wrong and maybe it will be used by everyone.
I agree on the part that bitcoin is not going to be used by everyone in 2022, the reason is due to technicality, ignorance, failure to access the internet, illiteracy and the presence of the gadget needed to transact with bitcoins. Aside from that there are many people that are not yet familiar with bitcoin.
Yeah even after 6 years i don't think its going to be at par with the fiat system i think it would take decades before it happens assuming that bitcoin is still here. Although certainly more people will be aware of btc already