I think there will always be some component of physical locations. You have to tie the real life identity to digital one at some point. I think purely digital

I think there will always be some component of physical locations. You have to tie the real life identity to digital one at some point. I think purely digital ones will not survive due to stricter KYC guidelines that could come. But expecting much of any service outside KYC and maybe largest transactions is fools errand.