I think the main difference between fiat and crypto is fiat pays for things like food and healthcare for poor people. It may be good for crypto holders when fiat collapses but I think it will be bad for society in general.
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Crypto will pay for food in the future. 🌮You can order food online from many services. Soon you will be able to order a Pizza with Steem. 🍕Soon you will be able to order a Taxi with Steem. 🚕Go check out SteemPay it's already super amazing. If people don't take care of things then they will collapse. This is just evolution. If things always stayed the same people would be bored to death.
You can use almost any asset to buy food but yes it will be easier in the future. Have you used Steem pay? You can't use it to buy Steem with fiat can you?
I think you can create and destroy wealth with both crypto and fiat and other assets as well. I think you are missing that key point.
You can buy Steem with Fiat on an exchange just like any other cryptocurrency. If something is being destroyed then it's because someone didn't manage it properly.