well crypto wiill definitely replace th fiat in future. Same is the case for internet when it is its early stages no one ready to adopt it but with the passage of time it has became the necessity now.
Well the digital currency can be really useful for the new students/generation because blockchain will definitely revolutionized the mode of payment and data security in future.
I think banks are really in fear that if digital currency is accepted as the mode of payment the countries in legal way then there is no need of any banks in the world.
BTC is about to fall lower because it is creating lower highs continuously. I think we will definitely break the 6400 dollar level and fall much lower than that.