I am imagining what could happen if the near future if the entire monetary system collapsed (pretty good chance it will soon) and fiat was worthless and banks insolvent....I think the banks will say, ok we all need to move to a new world currency, its called ripple, we've trialed it for a few years, its all good, sign these bank papers accepting the conversion rate for your account savings or loose everything. In times of a massive world financial crisis the average person having no knowledge and understanding of decentralized systems would just accept it.