It could. But with what cryptocurrency?

Who knows) May be it isn't created yet or so unpopular we never heard about it or may be it would be Ripple
haha, keep on dreaming. Doge coin has a better chance of being it than a centralized shitcoin such as Ripple

as for changes that you are talking about above, it is not hard at all but the problem is that the "change" needs to be actually good and not controversial with lots of downsides and security issues.
if you have a proposal we are open to hearing it! but it seems like you only have imagination.
Yes, thank you. I really believe that imagination it one of the most great human qualities.
Ripple was just an example. In fact, I think that it will be a cryptocurency of group of banks or state project like US or EU. And yes, It will be centralized. You see, nobody cares about some decentralization. 99% don't even know what this word means. But what they Does know, that currency must be a) fast b) comfortable c) cheap to use.
So, when world banks for example would decide (maybe they already did) to create their own cc, they would make it cheap and fast and confortable. And freely converted to fiat via one button push on Iphone screen. And with Paypal support. If they also would spend some billions for advertising (they should), well... Bitcoin would be a curency for small groups of geeks and criminals. With its cost about $100.
Yes, I do have some proposals. Not tech, because although I studied the BTC blockchain technology (I am a programmer), I do not consider myself an expert enough. But I have some propaganda ideas.