Indeed Fiat is a necessary evil, that is why most international organization are requiring for regulations in cryptoworld. But mind you the way crypto is designed is in a way to give full independency on what someone have. Even if fiat will play in this game, cryptocurrencies still need hundreds billion of dollars to meet up with the forex market. Crpto is still young, if fiat plays as ripples wants it, not all crypto currencies will fall for fiat.