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RE: Bitcoin Will Complement Fiat
This is already becoming a reality specially in Philippines via coins.ph
I have transferred btc, eth, bch on my coins.ph and using it to spend in the Philippines.
With the upcoming product of coins.ph like the "beep" I think and also maybe they have a card already for eftpos and the adoption of retailers there will be no need to physically hold that fiat peso anymore.
You are correct sir and speaking of coins.ph they are doing a great job, coins.ph is the only one that I use to transfer/encash my eth, btc, and bch.