Bitcoin will be very difficult to change this world and the application in daily life is still a very difficult issue for this market. Maybe BTC, ETH, XRP can replace payment facilities but it will not be applied much in society so we do not be too confident in this. Personally, I will still choose Fiat because it determines the existence of the world and Crypto coins are just an investment to make a profit.
Honestly we cannot predict in the future, indeed crypto has not been widely applied in society, but we cannot lie that knowledge about crypto in society is very minimal and they are still not evenly familiar with it. This reminds me of the presence of the internet for the first time and many people who doubt and consider it unimportant, but after all these years the internet is growing, popular and becoming a necessity like today.
I am sure that crypto will become a problem solver in the payment system, to be better than conventional systems like today.