I think we underestimate how “mainstream” digital currencies could be if the UX is right. In a lot of ways we already deal with “centralized” digital currencies

I think we underestimate how “mainstream” digital currencies could be if the UX is right. In a lot of ways we already deal with “centralized” digital currencies already in the form of loyalty points with airlines, hotels, food/coffee chains, grocery stores and gift cards that can only be spent at specific merchants I.e. currencies that have some value and can be used to pay for things.