That brings me to my question "imagine a future without cryptocurrency Bitcoin and a world without digital payments".
___how will the world look like?
Mostly the same because we would have altcoins. Unless you mean no crypto at all then it would be a sad world.
___will financial transaction be stressful and restrict?
If you lived in 2010 when almost nobody knew about bitcoin and there were no exchanges, was life that much harder? Was someone restricting you?
You felt like everything was fine because all your friends and family lived the same way and faced the same problems.
You don't know what you have until you lose it.