Are we heading to the creation of a decentralized economy (the one controlled by the people themselves) but still within and a part of the bigger centralized economy (the one controlled by the government)?
The question really is will the government of any country allow this to happen in the first place? You are really asking the government to give in a big power to their citizens by giving them the control of their economy and people who would take advantage of this are the top 1%, people in the middle class and below would be eaten alive by this system and we would wish that the government is the one who really needs to be in control.