all altcoins are not created equal. gresham's law applies for all of them, but the worst ones are things like forks and airdrops that people essentially received for free. these tend to get dumped rapidly, as well as coins minted out of thin air with no or questionable utility. BSV is a great example of a fork with questionable utility, and there are countless examples of premined coins with no utility, XRP comes to mind with this recent SEC lawsuit. both are not doing w.r.t. price right now

There are now companies that issue debit cards that you top up with crypto from an app. You transfer bitcoin (or whatever) to your account and pay the transaction fee for the transfer (probably about ten to twenty bucks) and then when you want to buy something, you convert part of your bitcoin to the card balance for no fee. Useful if you want to use crypto for day-to-day purchases and not pay the blockchain fees each time. crypto.com has been around a while and offer these cards with some of the usual card perks, and there are several similar companies out there.

Honest answer? Federal Reserve will create a digital stablecoin called something stupid like eUSD and to withdraw from bank to get actual paper cash, it will be converted at exchange rate against that electronic cash. While this is being forced onto people, the Fed will start to go into negative interest rates, like -1.5% which will punish people sitting on cash ( see savers getting screwed over even more ). When people try to take out their cash, it will be converted against the eUSD, so for example if the Fed decides to implement negative interest rates, when you try to take out cash to just hold onto it for 0% rate instead of getting it taken, whenever you need to convert it back into eUSD ( for most transactions and bills and new laws that limit transactions over certain amount of dollars to "combat terrorism" ) you will convert 100 cash into 98.5 eUSD into your Bank account. This is how they will screw people over even more than they already screw people right now for the past 10 nears basically 0% interest on money. Trying to force people into investments, equity, etc to "spur" the economy, welcome to hell.