I choose fiat over crypto for purchases because of the inherent capacity of the bitcoin to become an asset. Once someone used bitcoins to pay for the cappuccino he ordered for. He will forever rue the day he decided to make that that transactions. Fiat is smart choice or decision.
Fiat is more spreaded and long before used of payment method while bitcoin is strongly a good investment and economies growth for us to enjoy it's big profit sharing attitude towards unwanted unnecessary movement.
As payment method, fiat is more applicable than bitcoin because bitcoin can be an asset. When you used bitcoin today as payment you need high volume to meet the specific amount you have to pay that is why fiat is good to used as it has fixed value. Even me choose fiat as payment because it does not need internet to pay and also small amount is needed, no fee to pay.