Can you realisticlly imagine a day where Crypto has overtaken fiat in usage?

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Crypto usage is definately increasing. As more and more dApps are built and cryptos are included in transactions crypto would become popular. However, there is one reason that crypto currencies can never overtake fiats is because there is a speculative value associated to crypto currencies and there is a possibility of small group dominating them, whereas Fiat on the other hand is under the control of rulers of the country and is centralized currency. There are well established regulations to control. Though we can earn cryptos finally to spend them you have to convert it to fiat