may not replace fiat, but there will be a method of payment using crypto. because we know not all around the world who know about crypto. perhaps in developed and developing countries may happen but fiat is not possible to replace.
Obviously I strongly believe that, crypto will not be able to replace fiat, because we know that there are still many countries that are not yet familiar and do not understand crypto, even some who are familiar with crypto, cannot fully accept as legitimate payments especially to be substituted fiat. still need time for this change.
There are some experts who predicted that it will only be bitcoin and gold that will remain in the future.
Well, we never know but at the status now, it's hard to believe we will be living that kind of set up in the future.
I won't complain of course, that happening will make me rich, but I'm thinking it's less likely to happen or almost impossible.