2.Fiat money is more faster and more easier in hand to hanp, face to face transactions and offline transactions in this setuation crypto currency is not good.
Well, we can't say this will always be the case. The end goal of bitcoin and many cryptos is to be efficient in these areas as well. Bitcoin for example will have LN, not sure about the other major cryptos but being able to use them for small purchases would be an advantage over coins that don't.