Both!

Both assets have their advantages. I think crypto-currency has the potential to be commonly used as money by regular people. 

However, most people aren't using either crypto or metals for regular transactions. It's a bit frustrating, but I understand why. If you had the choice of using US Dollars or Bitcoin to buy daily necessities, would you choose to spend the money that you think will more likely hold, or even increase, it's value or the money that you think will lose purchasing power. Most people will spend the money that they think will lose value.