So far as there are centralized organizations in this universe, there is no way cryptocurrency can become a universal money or currency for all nations in the world to use in exchange of goods and services. There are power groups in the world that would not allow decentralization in the financial ecosystem. These people will always like to control the nature of the financial ecosystem. The idea of decentralization might hinder how they control the financial space. Cryptocurrency is not yet recognized as a currency and to be even considered as a universal currency.