I'm not really sure what you mean by the government and the people "crashing", but I disagree with your other statements. Fiat is still a better currency to use for businesses simply because of the stable value of the USD(compared to BTC at least), and because fiat is still far easier to use than cryptocurrencies in general.
Also, as a long term bitcoin bull, you don't really expect the current fiat system to be replaced by bitcoin "soon". It will definitely take a while. Bitcoin isn't even ready yet to use for-payments.
That's true, even though Bitcoin provides an opportunity to get a bigger profit than fiat, it really depends on each strategy. Fiat, although not as fast as bitcoin in providing benefits, has many advantages as well and is more effective in certain matters and easier to use by the general public. So, I prefer to use it in a balanced manner, taking advantage of each, complementing each other.