[leppr]

There's nothing fundamental about this state of affairs. We're simply early in the adoption curve: the network of services around fiat is larger than the one around cryptocurrency, so to use cryptocurrency effectively you have to connect with fiat.

The infrastructure required for functional cryptocurrency usage in society is far smaller than for traditional money, so with enough adoption to supersede fiat, there would be efficiency gains.

Remember, we used to need the phone network to connect to the internet. 30 years later, the trend is reversed and it's telephone that we layer on top of the internet.