It is already possible to send bitcoins peer-to-peer. You can send money to friends and relatives in the form of bitcoins but an exchange will always be needed to buy and sell bitcoins because it ensures trust between two parties.
So I'm just wondering if bitcoin or cryptocurrency should be the future form of our money and it will continue to the future because it has a threat to the banks or it will be stopped again by our own governments of the world just like they stopped the developement of electric cars back when it was first introduced in the market because it was a threat for the oil companies?
But crypto currency field is decentralized so no one can control it if it tries to kill the banks and fiat money because it is all in the hands of the crypto currency users,if everyone using the crypto currencies in the future then the peer to peer transaction will become possible and that is what the main reason for the invention of the crypto currencies then we can feel the freedom of using our money on our own.