The future of cryptocurrency is as bright as the noon sun. Crypto adoption has really moved from where it used to be back in 2009. We now have more adoption now, which will definitely be on increase. Even some governments that are against it before are now in support. It's real time usage is on increase. To me, I see a very reliable future in cryptocurrency.
If the government create their own cryptocurrency and decide to stop people from making use of cryptos and crack it down, they wouldn’t do that without letting their citizens know about it first. They will make laws that stops people from making use of cryptos and put punishment. So, it doesn’t work as you have described it; you won’t just wake up and all your money has disappeared. No, it doesn’t work that way. They will let you know first, and it will then be up to you to do what you can to get your money out from wherever you have stored it before anything bad happens