I believe it is obvious that the future of money is heading toward crypto. It is clearly not a fad based on both the numbers of people using it and how fast it continues to grow. Compared to crypto, there are too many delays, restrictions, and fees in traditional banking to last long term. Crypto gives people the ability to transact in a manner free of the challenges that maybe presented themselves in the past when moving money across borders. One does not need a bank account to hold or send money. All one needs is the internet and a crypto wallet. That access will enable more people to control their money.
Governments and large organizations are beginning to scale on blockchain which means this transition is serious. Sadly, some people still distrust because of scams, or volatility; however, scams can also occur in other areas, and prices fluctuate there too. In addition, there are regulations being implemented to increase consumer protections and to some extent, protections. There are also more tools and services being released to make embracing crypto, as part of daily living and spending easier.
There are risks, but there are also evident advantages. The technology is still maturing, but the fundamental building blocks seem to be in place. More people are becoming educated in how it works, and finding a use for it.

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