I would say that the technology is here and it's not going away anytime soon. The deal with fiat currency is it allows government to control supply and demand as well as economics, there's negative connotation to the word government however we forget the positive some governments bring to their population.

Yes banks are capitalist however realize that with cryptocurrency, you're your own bank and have to deal with securing your own transactions whereas a bank would be your safety net.

The technology is still in its infancy, don't worry about it ever replacing conventional money, it already supplements it.

You've been able to buy and sell with BTC for around the last decade.