In order to retire credit cards and cash, remove banks from the equation and  move completely to cryptocurrency we need to address several key topics.

1. Centralized cryptocoin management, not this >50% crap
2. Allow blockchain to not only be secured and provide disaster recovery and high availability but also be scalable, fast and allow for selected load balancing
3. to stop volatility to attached the currency at least until common and distribution to billion users to common "rea and stablel" currency value
4. remove the concept of exchanges from crypto currency completely and maintain transaction cost to 0 or very close to it (fixed 1 cent for any transaction size sounds good)
5. Issue annual fixed number of currencies per period, depending on macro economics analysis and expected market share
6. retire switt, ACH and any other legacy system rather than find ways to connect to them
7. abolish bank fees and banks overall, we can use central banks to reduce interest rate and change the risk evaluation process, allow integration to accelerate loan decisions to seconds rather than weeks, including home loans,
8. go after insurance next, machine learning and AI will make more informed decisions, based on AI and Machine Learning, centralized management will provide KYC and other critical data to the appropriate governing or compliance bodies

who is with me?