I am more excited to see the wealth created from cryptocurrencies where people are making hundreds and thousands of dollars per month simply by getting paid for all that they do. For example, how would it change people's lives if every time they clicked on an ad, they received a piece of the click value? We already see a decentralized search engine paying people to use it (albeit in beta stage so really only an interface).

What is people didnt need credit? I foresee more of a user based economy instead of an ownership economy. Why own when you can use something for a fraction of the cost, especially if it is automated.