Replacing the current system will take a lot of time because of governments and banks resistance. People are also slowly getting used to cryptocurrencies and they will soon want to use them in their every day lives. There will be people who will choose web wallets instead of stroring their private keys on their own due to "security". People won't blame themselves for their mistakes, they will try to find someone who they can accuse. The new generation is going to adapt cryptocurrencies pretty fast.