2022 is a bit too fast I think. In the future it will be used a lot more definitely but if it will overthrow everything, not sure if it will be bitcoin.
That will be depending on the country you are living in, The government will decide if their people will going to use virtual money or if they were going to allow it to circulate in the entire country because probably it will affect their own currency.
good point if your country will support crypto then you will able to see all major functions of local fiat can be done as well using bitcoin but its hard
to see those government which willing to give it up and use this currency aside from the coin will be centralized from that specific place.