This is quite contradictory, because nakamoto projected bitcoin as a revolutionary trade system operated peer to peer without a third part to regulate and tax the transactions. But what we see today are exchanges that soon or later Will be heavely regulated and Banks willing to profit from something designed to exclude them... what a turnaround in history!
In the future we will use decentralized exchanges, if you use fiat then you need to follow the rules of fiat and their creators, governments and banks, but if you use crypto you do not have to follow their rules, so whenever you can use only crypto and pay with it when you can.