Homomorphic encryption without financialization will be the final form of cryptocurrency, and only for things like escrow and transfers between banks (probably

Homomorphic encryption without financialization will be the final form of cryptocurrency, and only for things like escrow and transfers between banks (probably replacing commercial paper). It'll take a decade and people will probably never see anything but their native currency in their banks. Part of the slow adoption will probably be due to it making Olde-Timey forms of corruption no longer possible. (But I'm sure new kinds will arise.) It was never meant to be an investment, just like you said.