In the long term, people will value utility over incentives.

Utility to move money fast.

Utility to invest money fast.

That form of money could be fiat or crypto, depending on the adoption.

If the dollar loses its value, crypto gets its chance to rise as money.

If the dollar saves its value, stablecoins will dominate.

Most people will act out of reflexivity when it starts to feel like the world is going to end tomorrow.