I would like to know if cryptocurrency will replace fiat money in the future,  also if so how long it will likely take.  Also,  I would like to know which coin you think would take over if one will.  (E.G. Dogecoin,  BTG, LTC, XMR)

Financial technologies such as bitcoin, P2P lending and crowdfunding are just beginning to take off, and businesses involved in the industry pose little immediate threat to traditional commercial banks. Banks, after all, the country's economic lifeline, so I think the bank is still very important, do you think?

I believe that the initial purpose of crypto is to create a digital currency for making transactions quick and easy. However, in reality it has become an asset which everybody is buying and holding. Continuing doing like this will destroy the initial purpose of the coin?

What is your opinion?