First I will like to tell you that Bitcoin is not the only thing that can be used electronically. Fiat has its own way of being used as electronic, like banks has mobile apps which enables their customers to send money quickly and also top up their phones.Fiat even has more advantages over bitcoin and is fully backed up as a real Currency. But Bitcoin is being backed up by just individuals, and be banned at any time. So I think Fiat is better than cryptocurrencies, though I like cryptocurrency very much.