Going that far ahead of time, it’s certainly likely that a large portion of payments will be made through some sort of cryptocurrency, be it Central Bank based or else. Nevertheless, being a technologically centered solution, the countries will need to consider the solution for those that don't have access to the reigning technology at the time, nor the embedded technological culture that it requires.

What would worry me most, in any case, is a dependency on a technological based element for basic transactions in times of dire need (i.e. war). Country blackouts/telecom blackouts  would be one of those situations.