What are the chances of living in a world with no actual money ? 
Low. I think personally that cryptocurrencies wont make FIAT useless, but I think that cryptocurrencies will work hand-in-hand with FIAT money. Especially in countries like the United States, and the other first-world countries; I don't see FIAT going anywhere soon.
I fully agree.
cryptos are good for some things, the most important is preventing governments from screwing monetary policies. I too forsee a future with just a bunch of fiat currencies.
I question that really do not know how to answer is what will happen to commercial banks, I do see investment banks living well with cryptos though.