Bitcoins will never replace fiat .this type of technology is far ahead of his time .and people should 20 percent of their income in bitcoins which will help in the future.
Holding 20% in BTC is a good idea, and 10% in favorite alts you will have a winner in a few years.
and I believe that a greater percentage of the savings can be stored in Bitcoins. Especially now, when cryptocurrency becomes more expensive. She did not depreciate as Fiat