I agree with you. In general, Fiat is an irreplaceable option in this world, and it is certain that no one will use crypto to pay because the value of the coins in this market is very volatile. I think people prefer to use cash or use credit cards to pay because it is a lot faster. In addition, many large countries around the world have not yet legalized this market, so in general, the crypto market is still not comparable with other potential markets.
event bitcoin popularity are growing massively, but we still need FIAT for any traditional transactional, i just think Bitcoin and other altcoin are just alternative investment with big potential to grow up and valuable than Gold or other investment