It is said that bitcoin will destroy the fiat system but i believe that if this happens the world will change completly because banks and a lot of things will go out of market.
This has a great possibility especially because of the popularity of Bitcoins or cryptocurrencies today but I don't think it was a negative thing like many people are thinking. Cryptos are improving our way of living in general in different aspects.
Regarding top the idea if it can be used almost by all people in 2022, well, this can be only possible if everyone will have their gadget and internet connection. However, it seems like they can only access it but if they some have the knowledge about it, they cannot use it.