I have only seen noobs publicly stating that they think Bitcoin will replace banks, governments, fiat, etc. No one with a serious understanding of how an economy works will ever think that Bitcoin has the ability to replace any of the mentioned examples.

This is something that people could have seen becoming reality years ago. Bitcoin back then wasn't an ideal payment form, plus it was just a matter of time before the block size caps were reached till a point that there is more demand for block space than is available. Nothing surprising about all of this.

Other than that, basically every altcoin will at some point go through what Bitcoin is going through right now, if they happen to experience the same level of growth. But that's obviously not something noobs understand as they constantly point at Bitcoin being much slower than altcoins (slower in terms of confirmations). They can't think things through properly. They see what they want to see.