I think one of the advantages that cryptocurrency will bring is driving down cost of merchandise and services. Currently, any business that want's to compete and survive must take credit cards. The credit card companies are fleecing the merchants and service providers. Those wonderful cash-back rewards are actually passed onto the merchant. In addition, the credit card companies take fees. These fees add up and severely cut into profit. It also requires the merchants to float the customer. The merchants must wait until the customer pays their credit card bill which could be over a month. It is a huge amount of capital that the business must float. Ultimately these fees are passed onto the customers in the form of higher prices. When merchants realize that they can accept payments in seconds with little to no fees, it would shake up the entire credit card and banking industry.