It is very necessary because time goes on and people will learn more all about cryptocurrency. But no one can predict if bitcoin will come up unti 2022.
The thing that makes this happen is that price increases and bitcoin users are the same or beyond 2017, but I'm not sure this will happen, it will be a big challenge if bitcoin wants to be used almost people in 2022.
In 2022 it maybe called the cashless time.
I think no, in some part of our counrty there are people who prepare in payment is the fiat. Let say the crpto-currency in the future is so popular and become legal in any transaction but we can't avoid to choose the fiat transaction especially in the small item. In this scenario, as long as there is people who have no idea in digital currency it will never phase out the fiat system.