Maybe we have different concepts of what "education" means. But in any case, I didn't come here to spew low effort vacuities so here is another go: Individuals

Maybe we have different concepts of what "education" means. But in any case, I didn't come here to spew low effort vacuities so here is another go: Individuals could with fairly minimal technical changes get central bank accounts here and now. That would already change the universe: Currently all electronic money is private bank money, only as good as the credit of said private entity, which in turn depends on the types of risks it might be taking while you waste your time on HN. With CB accounts some electronic money is sovereign money (like cash). It may get inflated but it will never default. Already that simple "savings" window can upend banking as we now it. Individuals transacting in sovereign money and any other features are all on top of this.