some of the points that I took from your explanation, it is very agree. but some others, I still doubt. as
- crypto will be used in the future. for payment etc. Yes, I agree. but not with crypto now. some countries have absorbed bitcoin technology. they only take the blockchain to make / move the currency. look at China, they took the blockchain to convert their currency into the blockchain system. Russia, has overtaken it. they are developing their own currencies into the blockchain system. so, what is the current state of crypto decentralization. might be good. but in the future, I'm not sure altcoin will survive. while bitcoin, i just thought it would be a commodity. not the main payment.
Okay from this I get that countries are integrating blockchain technology itself in their currencies, but then I think that make those currencies Altcoins now! Holding money in your accounts or in cash itself is a commodity as well as method of payment now. Having money tells about the kind of status the person has like any other possession they hold.