I personally still need FIAT money to exchange Bitcoin currency into FIAT, because in my country the government still has not legalized Cryptocurrency. So if I go to the market to buy food, I still use paper money.
maybe at this time fiat currency still dominates because the government still prohibits crypto currency as a currency for transactions directly but I am sure one day along with the times and technology can happen
Right now, cryptocurrency has been a secondary currency on the internet, and real life and that happens on the country which accepts cryptocurrency. But maybe in the future, we will use cryptocurrency as a currency too, and it will use for daily life. But like or not, we still need banks to save our money and to make a transaction because of the banks among us.