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honestly I don't see a world with only cryptos anytime soon

Banks will not let that happen anyway. Not within 10 to 20 years at least.

In the meantime that's why Ripple has a real use case working with banks. And it's a pretty big use case as well.

I doubt fiat will cease to exist during our lifetime. We are nowhere near mass adoption now but in 10-15 years crypto can become mainstream and a popular method of payments, but it will be along other fiat currencies. Some centralization will take place for sure at that point though.

Indeed. I'm with you on this.

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