All countries? Maybe.
Universal money? No. There's just no way that we'll live one day in a cashless society. Cryptos would seem to coexist with the paper money we have these days, just like how the cards coming from our banks do.Credit/Debit cards could've been possible candidate to replace the paper money we got today but meh look where we are right now and still using paper money.
I believe this because in the end there will be bugs in the codes or the system of everything in digital and people holding or making critical transactions shouldn't encounter these delays or bugs.
The security in digital isn't 100% because someone wrote the code behind it, therefore one day someone could somehow have inline thoughts with that and exploit the vulnerabilities.