I hope we are not. The decentralized economy as a part of the centralized one does not sound good to me. I think we are slowly heading towards decentralized money that the government has no control of. However, the government can stay to offer insurances, perhaps some futures contracts as well as set the prices on vital products, so that even poor people can afford things like water and bread. If adoption increases, I think volatility will naturally become a smaller problem. Fiat might be there to stay for some time or be replaced by centralized digital currencies, but I think that people will be allowed to use independent currencies as well.