Yes both of them are good and both have different abilities to give us all the needs of life. We can use crypto to buy things online as it saves our time and gives us reliable shopping opportunities but with fiat, we can buy things by hand, as our life is so busy so we should use the only crypto to have needs for daily life even without disturbing our job.
I don't get your point. Still, we have very few options to buy things online with crypto and they are less reliable too but we have a lot of options to buy online using fiat from a reliable source like amazon, eBay, etc. Owning cryptocurrency means you are free to use it as your will but you need banks permission to use the fiat. It means when you are holding fiat in bank account you are not independent of your choice.