So far, no means of payment is perfect. Therefore, I would like to use both the old means of payment and new ones. In my opinion, this will be optimal. In some cases, using cryptocurrency as a means of payment will be very difficult or even impossible. Therefore, do not immediately abandon the old means of payment, such as cash. Yes, and this is hardly possible.
I believe that both ways to deal with money will be used in the future. However, I am sure also that many banks will take a decision to deal with stable coins: it will be convenient for investors also. Digital money can become the equivalent of fiat if it turns out to be liquid and also very easy to be used. To do this, their technical side must be perfect - it should be easy for users, first of all.