Thanks, an interesting read.
To me FIAT currency is just a digital non-crypto transaction method that is owned by an elite few.

Initially the interfacing of crypto into mainstreem is like having 1 wordprocessor computer in a manual typing pool (circa 1970-1980).... difficult to manage.

But with "apps" I'm not so sure the integration will take as long.
Maybe "visa" will be required (elite owned) or maybe not.

If I want to give you or a shop keeper money for goods, then we both just need an app. Like that iPhone "bump" app to transfer a file.

But it's going to be an interesting 6-12 mths coming up IMHO
$0.02