I see it similar but some kind of banking structure is always required because 99% of mankind are unable to use the crypto/wallet stuff due a lack of ... cognitive capabilities

Furthermore, they don't want to see volatility, so they prefer loosing all their wealth through inflation instead, another cognitive thing

How would be the future? Well, not that bright due it is proven that the average cognitive capabilities are going down generation by generation
https://www.wtkr.com/2018/06/13/iq-scores-are-falling-and-have-been-for-decades-new-study-finds. I see the mankind of it's peak right now ... like in life expectancy and innovations.
Unfortunately is intelligence and attractiveness distributed reciprocally in society which explains the slowly but surely stupefaction of the mankind, which started with the baby boomer generation.