Crypto is still not on the mainstream adoption but I know that we are close on getting there so for now, people are still turning crypto into fiat. Because once cryptocurrencies takes over everything then turning crypto into fiat is not needed anymore.
You're absolutely right. However, I can't really access fiat, I usually have to use a Bitcoin or crypto debit card to either get fiat out of the machine or pay with stuff using a card. I get paid in nothing but crypto ALL the time. So if cryptos did take over my life would be much easier, but it would be a nightmare to watch the vast majority of people going through absolute Hell when trying to figure out what is actually happening. That would be devastating so I wouldn't mind waiting a bit longer for people to catch up and learn more about this new crypto economy.