Decentralized cryptocurrency will never be prevailing in the financial relations of society. She is simply not capable. Apparently, it will be used primarily between individuals and only partially when paying for goods and services for settlements with legal entities. I personally would not want us to completely switch to the use of cryptocurrency, because I do not want to depend on technology. They create a lot of additional problems. The simpler the financial relationship, the better. Paper bills are the result of several millennia of improvement in our financial relations. This is the most convenient and fast form of payment for small and medium-sized purchases.