Fiat currencies are here from thousand `s of years. People are using it for generations. Fiat currencies are the most easy and convenient and fastest way of settling a transaction. It requires no infrastructure. No internet connectivity no gazettes are mandatory for trade. Transaction can take place anywhere even on moon. Digital currencies on the other hand require sophisticated, internet backed gazettes that is why trade is not possible at any part of the country. So what 99% people are thinking is absolutely right, no currency can took place of fiat currency.