Craig - you are speaking real TRUTH that most people don't want to hear -
Crypto people are thinking Bitcoin/others will take over FIAT - but I agree with you that is will not take over - there are a small percentage dealing with cryptos and most will stay in FIAT.
Some FIAT haters are hating on FIAT because they're BROKE or needing more FIAT - You hit the nail on the head - being BROKE is not caused by FIAT.
Yup, it's just a game and any money is the greatest invention of humanity. Some money is better than others though.