We can’t really tell if bitcoin will be used by everyone in 2022. Even if the problem with internet connection is solved in the next five years, I think the majority of people won't use bitcoin. Not everyone is keen on where things are headed. Also, not all people like the idea of dealing only with an online transaction. They still prefer fiat currency rather than cryptocurrency.
indeed for now in payment transactions certainly use more fiat currency when compared with using digital currency, even some of the users take advantage of bitcoin for business activities because it is more profitable.