Money is deeply flawed. The only reason it works is because it's heavily backed regulated, and manipulated by the government. A good example of this is inflatio

Money is deeply flawed. The only reason it works is because it's heavily backed regulated, and manipulated by the government. A good example of this is inflation, which governments use to discourage hoarding and encourage spending. Cryptocurrencies have many benefits over fiat currencies, as you mentioned, but they still share many of their flaws. I believe that blockchains and smart contract will have a huge impact, but I don't believe tokens will replace money. What will replace money is a new kind of currency that's based on people's reputation. This is unavoidable, but will first require the death of privacy.