Many people believe that cryptocurrency is the currency of the future, but governments' adamant opposition means that, in my opinion, even in a decade, crypto will be the same. Alternatively, some countries may decide to develop their own digital money, like China did, in order to better manage its citizens, unlike bitcoin and other cryptocurrencies, which are difficult to trace. That might be their final option.
Crypto would be a good investment, it's quite possible, even now. but to replace fiat, crypto must have many developments, one of which is in the field of stability and security. I know many projects have worked hard to get permits from the government, but still, it is still very ambiguous for crypto, because it is possible that crypto fluctuations are something that is almost unavoidable