To be fair, I haven't touched real money in about 3 years. If it's called "bank-coin"; "swedish crowns" or "bitcoin" it doesn't matter because it's all digital

To be fair, I haven't touched real money in about 3 years. If it's called "bank-coin"; "swedish crowns" or "bitcoin" it doesn't matter because it's all digital anyway. On that count, the technological innovation is here, but it's centralised in a few "trusted" entities, just like everything.