Keep in mind that for this to happen many years must pass, first you have to "educate" the population about the use and operation of cryptocurrencies or "digital money" as banks call it. And it is also necessary to remember that it will be impossible to use cryptocurrencies or digital money in all areas of the world, there are still many places where the population does not have an internet connection, maybe Starlink is a possible solution to that, but I'm not sure.