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
I guess that a few people use crypto instead of fiat even now. Nevertheless, if we speak about the whole society, it is not possible that virtual money could ever replace traditional currencies. People need fiat more.