In our country we have our local wallet where users can directly trade fiat-bitcoin/eth/xrp/bch or vice versa. We can use it to pay bills, services, purchase goods since other merchants accept online payment, and it even use it to directly make a deposit to a bank.
I hope as time goes by, the usage of crypto will not be limited as in we can use it to buy anything.
Well, that's what everyone is hoping for to happen in the future. For me, I think the possibility of that happening is pretty high enough basing on how popular cryptocurrency has been becoming in the past several years. I think the bigger question to consider is the establishments that would be willing to take the plunge and accept cryptocurrency as a main source of payment because it can either make or break one's business. However, I think, as more and more popular and established companies begin to accept cryptocurrencies, it would surely help the market rise up more and more and be used in a more global and wider scheme as of it is being used now.