For me, we can not replace fiat currency immediately even if we say we already have an alternative method like crypto.
Actually even in long run there is no replacement that will happen,Fiat will remain for physical transactions while crypto for online
or depend on the demand of both parties,because admitit or not Fiat and Gold is part of our living and without this there might be imbalance that will happen
in economy.
Many places are still don't have internet access especially for those far from the city. There are also people who accustomed to the old-fashioned way of using centralized services, but I noticed after pandemic and disaster happened, more people are now getting interested to know about bitcoin and other crypto currency because they now already seen the advantages of having it. If we still continue promoting and pushing bitcoin i think as time pass by the full adoption will be possible.
only those isolated places mate but more than 70% as I estimate has access in internet.
Because as I have going from place to place even in the Mountain mobile is available though the signal is really poor but still they have access.