3. fiat currencies are increasingly becoming digital but they are not crypto (censorship-free). they could even propel adoption of bitcoin since it will be easier to transfer from one form to another.
Agree with this. I think until people realize the advantage of Bitcoin over fiat (in terms of supply manipulation), we won't see a massive adoption of Bitcoin. Bitcoin will probably stay as a store of value, fiat will be used for daily transactions as usual but their buying power will continue to decrease.
Nevertheless, I choose to believe that if Bitcoin stay for another decade, it will be a very solid store of value for a lot of people.