Yes, in fact, every day the largest user of money is Fiat, and I think the percentage of Fiat usage is higher than gold and bitcoin.
You
think that the percentage of fiat usage is higher than gold and bitcoin? Of course it is higher. You are basically talking about all of the nations' currencies together, versus gold and bitcoin. What other option was it going to be?
That's because fiat is a legal transaction tool for most countries, so it is natural that fiat has become more widely used compared to gold or bitcoin.
If you compare the use of gold, bitcoin and fiat are not relevant because bitcoin and gold are not legal transaction tools.
I don't think there is an option for that when fiat currency is still a legal transaction tool and bitcoin in particular is only used as an investment asset for most countries.
Keep in mind that as Bitcoin gets more adoption the speculation will become less and less. But we are a long way from that.
This means that when speculation decreases, achieving big profits will also become increasingly limited.
Hopefully in the next few periods this will not happen because we still need what is called speculation to achieve maximum profits.