Another topic from believer who so sure that bitcoin will replace fiat in the future. It may happen in the future when digital technology are adopted by most people in this world, but 2020? Nope you will still need fiat money for your daily needs. It is impossible to live without fiat money if you live in an area where bitcoin is not accepted as a legal payment method.
2020 indeed sounds unrealistic. It's easy to be blinded when you and your friends use smartphones to pay for everything, so it seems like turning to Bitcoin on global level is a short-term thing. However, I believe the majority of the world still mainly used cash for payments. Another important thing is that even when people are ready to turn from fiat to bitcoin, we still will have to wait for the governments to recognize Bitcoin as legal tender. It won't be long afterwards until the retailers make their move. But it's still a matter of decades, not years.
Not to mention that full-scale adoption is not an option for now due to technical restrictions of Blockchain.