The virtual currencies of tomorrow

Hello,

We live in a world where virtual currencies are gradually replacing bank money, in addition to not having a debt effect with its currencies.

I imagine our future with specialized banks where Bitcoin and other currencies will be taken over again under the benevolence (or not) of our government?

A world where people will be able to make Bitcoin loans easily, but unfortunately create the possibility of having large over-indebtedness again as is the misfortune of many families in France or in other countries in the world:(

Tell me what you think about this vision of things, and don't hesitate to give me your vision of things

Goodbye!