There are still some rural places in this world, so it will be hard for them to adopt the new system if this will be implemented in the future, which I hope won't happen, and even those person in provinces will also get mad if those things happen.
Yea, i think you are right here and on the other hand we can easily make transaction fiat money by using apps that many men compare between cryptocurrency and fiat money. Say for example i have a bank account but last 5 year i did not went to bank but am making banking transaction. Not only that, i can pay my electricity bill, gas bill, water bill through apps in fiat money. So why i go to cryptocurrency? Yes crypto currency for rich people who want to made big transaction without any documents.
So finally i think crypto can not beat fiat money anymore.
you said crypto cant beat fiat but you said crypto is useful for big transactions without the need of documents , not only this but also have a small fee . this is so good . that is few of the advantage of crypto but this isnt enough to replace fiat .fiat have advantage too . this advantage is pretty applicable to many people especially regular individuals that does not know how to use cryptos . by the way , you said your using an app that is fiat based ? what was that name of the app . ive been using simillar app too but only its a hybrid crypto and fiat based .