There are two types of
cryptocurrency Currencies
1st: Centralised
Currency2nd: Decentralised
CryptocurrencyThere is not centralised cryptocurrency i think that also the currencies which has some of the relations with the government are centralised currencies like the national fiat currency you use.
There is a lot of difference between currency and cryptocurrency.
Understand the difference and you will get your answers.
Also there's highly possibility that people stop using other payment plat forms like. PayPal. Payoneer, or payza etc. Because they apply high fee more than our expectation.