I think projects like Pundix and Mfchain, and others will change this. The fundamental problem is that paying with crypto is not as straight forward as it should be. There are hassles with transfering your money from crypto to fiat (coin-base holds anyone) and it is not as seamless as say swiping a credit card. I think we need a year or two before Pundix and Mfchain take off and that becomes a reality. There are still some fundamental problems with using crypto such as no charge back and annoying refund process; however, i think both companies and others will step up and figure out smart ways around these problems. I think crypto has the potential to be better than fiat. I do not think it will totally replace fiat, but it will be used a lot more than it is currently. I would personally use crypto for everything and anything.