There is buzz about the prospective of governments and banks accepting crypto or creating their own for its mass acceptance.
I don't think this is even worth acknowledging, as all of the present and future innovations are going to come from the private sector. Governments are just responsible for damage control, do a God-awful job for the most part and have never achieved true democracy.
In the past, people relied on governments and banks not because they're "governments" or "banks," but because they provided security.
Once AI, blockchain, and improved means to use crypto provide even better security than governments and banks ever could, whatever they do will be irrelevant.
Banks and the government are beginning to understand that if they do not come up with how to join the crypto movement, they will miss the opportunity to earn money. We can already see major banks buying up exchanges, governments coming up with their own digital currency, and so on. This suggests that they are afraid that they will take away money and power. And as soon as people realize that cryptocurrencies are cool and safe, they will stop going to banks. Before that, the world of crypto-currencies will change very much and we will see it not as it is now.