It depends on my situation.
I will choose fiat if I will going to buy something in convenient store in our town, if I will pay the tricycle driver, if i will pay my bill in the fast food, or in short I will choose fiat in my way of living because fiat is main mode of exchange in everything around me.
But I will going to invest, I will choose cryptocurrency even though it is risky. Yes there is a bigger chance of losing in crypto but the is also a bigger chance of gaining good profit in crypto than in fiat.
Your thoughts are quite good and profitable. I will do the same now and in the future. We must continually invest to increase our wealth. However, this also has a lot of risks, but more risk, more profit and I accept that. I personally think that there will be a lot of time for crypto to replace fiat in our lives.