As much as I consider myself a bitcoin maximalist, I don't see bitcoin replacing the dollar either. She is right that cryptocurrencies are mainly used as an asset, and even in El Salvador, where it is considered legal tender, it is not widely used as a currency. Moreover, all the steps that are being taken are moving in that direction, the latest being the approval of spot ETFs in the USA. More and more legislation is imposing more and more KYC and considering it as an asset on which capital gains taxes can be levied.