Perhaps fanciful, perhaps not. A lot of people are bidding big on crypto currencies and distributed ledgers. The thing about change is it's often sudden and disruptive and very hard to see coming.
I read a quote recently which was something like we often don't see change when it's happening, we only see it when it's done.
Sure if EVERY human on the planet had a smart phone maybe! But that is years away from a reality.
Plus a North Korean using the same currency as an American or a Somali??
Cypto currencies will continue to grow fast, but their use outside first world countries will be limited.
You know Cuba has two currencies? One for locals and one for tourists. Weird