It is not just about technological progress that we are struggling with centralized philosophy. In fact, we have seen exponential growth since the establishment and I do not see any reason for this growth to stop anywhere in the next decade. Banks and the government will not let it be to bring down the monetary policy of the government and the bank. Countries are forced to recognize electronic money in their territory and take some legalization measures under the pressure of citizens who actively protect their right to participate in electronic money activities. Banks and companies have no effect on the dominant bitcoin. It experienced a lot of opposition from the banks but today more people know bitcoin than any electronic money or other online currency.