Very naive to think the World Bank along with the Federal Reserve or any Government or Country would continue to allow peer to peer transactions via a no ledger system, thus generating no revenue in taxes and tariffs to fund itself resulting in the deterioration of its infrastructure and collapse of its economy...  
         While it's a great time to invest in cryptocurrency, ledger or no ledger, centralized or decentralized ultimately it will be a bank controlled ledger system... Get in on the quick gains while you can, but don't take your eye off the big show.. Momentum will without a doubt shift to the banks and a centralized blockchain with ledgers for checks and balance...
         Apparently most people have no idea the implications of decentralizing banks and governments. It would change every aspect of life and unfortunately not for the better... My end game is Ripple and XRP played with the funds ive generated from the volatility of all coins capable of turning a quick profit....
         Ripple and XRP for long term gains, It's a no brainer.......