Very interesting view of the future you have there. But I think it is highly unrealistic. It is indeed very convenient to point out the negatives of the present banking system. It will be however unobjective to leave out the positives. Because there are many actually. If the present system is that bad, it wouldn't have lasted this long. And what do you mean by each person managing their own finances? Why are we so spent on seeing out the Fiat system? I don't think it will happen. We should focus on strengthening the cryptocurrency market especially now.