Base on the speculation of other members here in the forum that in the near future banks all over the world will adapt the system of cryptocurrency and it will eventually centralized all banking transaction in one with the cryptocurrency or the digital currency.
Imho there is a chance that cryptocurrencies will kill commercal banks that earn on the transaction fees but not central banks that regulate the global monetary policy of the state, print money and change rates. In this case crypto won't be centralized.
In that period of time digital currency is not like an asset or investment anymore.
People are still investing in fiat money. Why should cryptos become less attractive?
Money always were centralized (owned by the issuer - government) and tbh they have to remain like that.