Money is already going digital. Many central banks and governments are creating their own digital versions of FIAT, PRIMARILY to keep tabs on everyone and easier to tax as well. It's up to us through the lay people to want to convert our economic prowess to decentralized crypto and to want to use and adapt to it, which will make the real difference. We need to educate our friends and family on growing Bitcoin and other good crypto reserves. If we all got 5 people each year to say put 2% of their money into crypto, we would moon in 5 years from now. Unfortunately, too many of us are lazy and not motivated enough to make this happen, that's our drawback and others are just interested to rip the rest of us off with scams.