We dont really need FIAT anymore or paper money especially though it has a kind of convenience to it, theres no reason not to just have plastic cards cover all bills.   If anything the bits of plastic are cheaper then printing paper or cotton in the USA costs alot.

Otherwise I agree, people are too absolute.  Its never going to be one or the other, they'll be a mix of all sorts of standards from metals, commodities, various national governments especially those in Asia and of course Crypto will take over some of the business US dollar loses from its lack of integrity