How did u come about that figure of 99 percent?.....The obvious fact is that Fiat money is quite convenient presently because the world generally and developing countries have not really explored the limits of technology..However, in years to come Fiat money would probably be gone or atleast it wont make sense to carry cash around...only thing i cant say for sure is that the current structure of cryptos and its security problems might not make it replace Fiat money in the coming years.