Like it or not Tokenization is coming and sooner than later. How much it affects people down to our level is yet to be seen. The Treasury has already put forth the protocols for digital currency use and exchange. It will be via Blockchain.

China has a digitized version of the RMB and is conducting intra country exchanges by Chinese companies. Much of their reasoning for using Blockchain is to root out graft and corruption so rampant within the country,