Crypto will never crash the system and replace money, at least not in north america.Everything is enforced by laws, like a law that tax needs to be paid in cash, on all items, no matter what the person pays with.Sometimes it feels like people think if we all go crypto, money is somehow going to be free, and life is going to be so much easier, I don't think that's true.
As if it was designed to be that system destroyer lol. This is what most of people don't know about, and does not care that much with crypto. Crypto as an alternative was never meant to replace fiat, systems we have now won't work with the absence of fiat, and this why the creation of crypto was intended to be
just an alternative to work along with the fiat coz there are times that fiat is inconvenient to use wherein crypto could just be a several clicks away. And by the way it isn't just to North America.
Imagine if you could only buy bread with crypto, and some billionaire buys a large amount of crypto the night before, the next morning your bread will cost twice as much.In other words its a rare resource, basing prices on crypto doesn't make sense.It can represent money all day long, and have value based on the dollar, but I don't think it can be money, unless governments just make digital cash for us, that doesn't jump too much.
What you trying to look for is putting a decentralized system on the real situation where we already live, it's like believing that one day bitcoin will be our universal currency. That's what you sounds like mate.
Who regrets about the pizza that was bought with bitcoin in 2011?