You still use fiat? Come on bro. You know that this is a feature not a bug. Monero will absorb fiat money like a black hole.
you live in a dream world monero is doing the job of cash, online, you can see by the fact it's virtually a stablecoin now you seriously think that the even greater amount of transactions that happen online with fiat can be replaced by a blockchain *laughs in Visa and Mastercard*