Now, many people think that our world (especially the financial sector) "seems to have gone wrong." But I don't know where it's wrong. What's the reason for the mistake? Where will our world go? Let's try to make a clear picture of the history of mankind, money and digital money. 
The evolution of man and money
Money, in the early days of human appearance, was used as an exchange material to evolve and change with human beings to serve the growing social needs. Small groups joined the tribes, gradually formed a large village, and gradually developed into a city, and eventually formed a country. During its growth, communities are becoming more and more powerful and competitive. Interaction, including economic interaction, makes them start to have larger scale, diversity and importance.
In every new stage of human civilization development, money is also evolving. In response to the growing demand, the function of money has become more diversified and more effective in solving various problems. Money has become the main tool in the important process of trade, savings, loans, investment, taxation, supervision and so on. The national issuance of currency has also become a key mechanism for internal management and international control.
In order to understand the current situation, it is very important to understand the history of human development. Human evolution is carried out in millions of years by cruel competition for limited resources. In this process, the winning individuals and groups succeed in acquiring resources from nature and those competitors. The war on the earth has never stopped. People are always fighting against competing groups, while most of them sacrifice their personal interests in order to protect their own interests.
For the last few decades, the level of human science has multiplied, but it is impossible for mankind itself to evolve so fast. To some extent, religion and state have corrected the "wild" behavior of human beings, thus establishing a larger, creative and effective community group. Unfortunately, it is still not mature to talk about the significant development of this aspect. The rapid change of external characteristics (putting down a spear, wearing a tie, etc.) will not be obliterated, but only a wild instinct that has been deep in the heart for thousands of years.
Therefore, when more self contradiction hinders the development of society, we see amazing low efficiency scenes all over the world. At the same time, a large part of the potential is not used in inventions, but in the destructive confrontation with others and groups in order to win in the competition. In ancient times this kind of behavior helped people to survive and was perfected to a small competitive society, but today it hinders our cooperation in the global model.
Is it possible to eliminate the primitive instincts of such destruction (in the context of Globalization - self destruction) and into the next stage of development? This problem must be solved as soon as possible, in order to prevent human beings from being buried in more destructive means of confrontation. Modern tools that emerge as technological advances have created new security systems for all key areas (including - in the financial world). The introduction of the Internet and the effective interaction of "de centralization" on its basis have shown great potential in this area.
Why is that? Let's look back on history. In the twentieth Century, the money world experienced a more significant change than the whole period of the past. For centuries, the generally recognized equivalent is silver and gold, but the limitations of their physical form make it difficult to large-scale use, thus impeding the development of the economy. In addition, governments always want to replace uncontrollable gold by using a variety of paper money. Unlimited issuance of paper money, which deprives the gold's monetary function, and thus benefits the so-called currency issued by the government. Its so-called "safety" is only a statement. Laissez faire, as a result of power centralization of related organs issuing currency, has generated a lot of negative problems, such as manipulating interest rates, credit speculation, manipulating stock market, currency wars, and real wars, becoming the interests tools of world-class financial elites. Today's world financial system has largely become a globalized system which indirectly deprives the resources of small countries. Under such conditions, many "dependency countries" are getting poorer and poorer, and lose their remaining independence. None of this is a hope without any solution. Now the financial elites are more concerned about improving the mechanism for their own interests, and at the same time have the ability to change the problem caused by the original mechanism. In fact, it's like all the users in the same bank, and the passive users look forward to the conscience of the centrer. Such a twisted hierarchy can't last forever, sooner or later, it will lead users to migrate to another decentralized financial system. This new system can faithfully protect the interests of the majority of participants. The longer the problem is, the harder it is to solve it, and it will be harder to transition to the next generation of monetary system, which is imperative. Once the new system is entered, all existing problems will be solved. But what, and how, is not yet known. However, there is still good news here. Technology, programming and cryptography have made the fans develop their own payment system models in recent years. Programmers have joined together to create an encrypted digital currency - another non - national currency with its own monetary units, circulation, and infrastructure. The encryption of digital money has proved its feasibility in practice even in the "baby" stage. Thousands of people and organizations around the world are already using this technology, and its market value remains stable at the level of billions of dollars. With the development of Internet, encrypted digital money will further develop under this trend, and become an important part to inspire people to innovate and unite people through community form.