How far away are we from a system that just exchanges what you have for what the merchant wants? Will fiat ever be incorporated? It seems like fiat will continue to become a more evil necessity for the next decade or so and since there are so many of us trying to lock ourselves out of it we should at least keep a mechanism in place to get in and out as we need to.
One of the points of cryptocurrency is to put control back in our hands, and while gaining control over the entire system is moot, now, as ours is superior, we need control to move through all environments as we please, as far as I'm concerned.