Bitcoin won't replace FIAT I guess, something else that has yet to emerge will. But I really like the technology. And they are right, it's way too unstable to be used by everyone. That's why people cash out in USD/EUR. It's stable. But nothing out there can beat the 10X returns. 
Well, financiers and economists are speaking to the majority of the media with statements that Bitcoin is an army of the financial pyramid and many people will suffer from this future. Of course there is a certain number of people who will earn a lot of money for this, but everyone else who invests in Bitcoin can lose money. This information is always on my guard and I think I will have time to make money on it.