The problem with FUD articles is they work. My parents and a good number of people their age (not all I might add) believe the mainstream media and most outlets are either calling it a bubble, which yes it is in a bubble but so is everything on the planet. Or it's a scam or a ponzi and you'll lose all your money etc.

I don't think Bitcoin or any other non goverment backed crypto will ever replace fiat because government regulation and tax will just wipe it out along with the daily FUD printing machine.