I think this could be changed but for now it is very difficult to achieve it, if crypto replaces fiat, of course there will be many negative and positive impacts, such as payment transactions will be fast, and the shortcomings as well as when the transaction is disrupted will disrupt the process
It is clear that with crypto payments will be faster and more measurable and process faster. but there is also a problem with crypto replacing fiat, because there are still many countries that have not been able to accept crypto transactions as legitimate transactions recognized as legitimate payments by the state.
besides that cryptocurrency currently still has high fluctuations, so there are still many who doubt crypto as a currency. and with no regulation from the government, the development of crypto has been hampered as a legitimate currency