If we must wait until fiat has died for a replacement, we will then suffer an interregnum of total economic insufficiency, as fiat collapses and transacting becomes impossible, with all the social and civil disarray that implies. A preferable future would come from providing a fully functional replacement transactional mechanism, such as Monero transmitted over a global Reticulum network owned and operated by the users, that replaces fiat and causes it's death.
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Lets do it!!
https://github.com/markqvist/Reticulum