If banks and governments create their own cryptocurrency, will the people still be the ones to give value to it like Bitcoin and will we be able to store it in our own ledger to protect our own money?
You need to understand that just like that, any person cannot create money, as this will lead to a house. Only the state has a monopoly on the creation and control of money, and this is not for nothing. If states will have their own cryptocurrency, and this is probably where everything is going, then I do not think that the policy in this direction will change. Moreover, I believe that if there is a government cryptocurrency, it will be a stable cryptocurrency, since stability in price is needed. As for the management of such a cryptocurrency, its management will also remain with the state, and this is probably correct, because this will avoid fraud and manipulation by third parties.