I don't think bitcoin will be used by almost everyone in 2022. Bitcoin will surely not destroy fiat. Banks are just in too much control and power to replace.
I dont think that bit coin will be used by almost everyone in 2022, as people are still in the phase of learning about crypto currencies i.e. how they work and are they secure to use remotely or what if their systems gets corrupted who will be responsible for the consequences of the loss. It will take at least two decades to reach to that mark when everyone will use it.