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.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 system are you exactly talking? The fiat, i mean the current monetary system? No one said anything about crashing the system. There are some people who believes that it will be replaced, but not anytime soon.
I hope you are aware that you need to pay taxes on your gains from holding crypto currencies, which means that government does track your holdings (assuming you are using US based exchanges to buy coins). True, you won't get free money using bitcoin, but things are actually going to be much easier.
And I think you are wrong over here where you say the cost of your goods is going to increase. When a billionaire does buy a lot of coins, you will have to be paying less coin for your goods, not more.