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.
Anything that posses a threat to the government, they find ways to control it and make sure it doesn't remove power from them. Crypto do not afford government the power of control they sort for and thus it can't crash any system because the government won't allow it. Also, crypto is global but countries have their own fiat which gives them power to carry out anything they want. So I will say, crypto will continue going forward but will not have the power to crash the world system however it can only offer a better alternative to services being rendered to users.