Okay, based on my study of bitcoin and the crypto industry at large, I can give a humble opinion. I believe there will still be usage of fiat, although this will reduce to some extent, but where I see a major drift will be in the tremendously easy access and usage to fiat of other countries foreign to the user. foreigners outside the digital central banking country might desert their own banks and deposit directly with the foreign central bank, or indirectly via some local intermediary. The increased ease of shifting deposits into a safe foreign asset might exacerbate the flows of capital in and out according to changing perceptions of the health of the domestic banking system, amplifying the credit cycle in their home country.