I know all these statements are only intended to be generally true, but fiat does not make sense in many places where bitcoin works very well - already. SN is one example where no one wants to input and store a credit card with a fledgling social media website, nor pay the fees associated with transferring pennies, and many minds don't have access to banks anyway. Our open source contribution awards are another example.

I believe bitcoin MoE adoption will continue to grow primarily on the internet, and in other niches, before it supersedes cash and credit where those products already have market fit. A lot of people are focused on having bitcoin compete with credit and cash, but I think they'd do better ignoring those use cases entirely and focus their attention on credit/cash's blindspots.