FIAT (Coins) ---> Electronic Money (Gcash, Paymaya, Paypal, etc...) ---> Digital Currency (Bitcoin, Ethereum, BCH, XRP, etc...)
Due to the spread of the Covid-19 virus in different countries, people have become aware that many viruses can be obtained from fiat money. That's why in our Country suddenly dropped the percentage of users of fiat money especially coins.
It has not be announced officially that money can be another means of contacting virus from different sections, so therefore I think that point of yours is not really clear and understandable from my perspective, I hope it needs concentration to look towards it, I'm not disputing your points but I believe such disease can't be transmitted through Fiat currency or Money, from the aspect of dropping Fiat, it seems that in different societies have noticed the benefit of cryptocurrency that is while some prefer crypto than Fiat because can't make am impact multiplication of money if be stored.