I don't think crypto like Bitcoin should only be viewed as a do or die replacement for fiat. It can easily complement fiat by allowing cross-border transactions of value, microtransactions, being used as a method for privately transfer value and so on. Government coin won't be a competitor to any of it, because it would be a very centralized system, like PayPal or Venmo but owned by state - it just won't have the same properties as true crypto.
Crypto also is good for investors because, they are volatile coins that has a high potential in the future like Bitcoin. Looking back when Bitcoin still has a small value, we all wish we would have invested in it earlier up to this day, and it is the same with other crypto currency available in the market now. With the right move, crypto could mold the future of a worldwide trade, and earn a lot of money from it.