This is true, for certain circles, they cannot enjoy this crypto technology, because it is indeed limited to the charity.
but it is not surprising that cryptocurrency today around the world has become a good spotlight and will be able to make very good developments in the future.
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You are right, fiat currency will not replace the real currency. Fiat will be helpful only for alternative payment system not for other purpose but this is a wonderful technology which will be very very useful in this generation. Crypto might not be popular today but in future it will rule the world.