Yes, full fledged digital fiat and decentralised cryptocurrencies are a separate animal. One question might be why the average person would want to use something like bitcoin when the government is offering them what they know already in a safer and more convenient form.
Because supply of crypto currencies is predictable and cannot be inflated at a whim and thus can be a store of value?
person really cares about such things, or is going to become educated on such matters in our lifetime?