Money tends toward one because it is a language & an economic protocol. Saying we need monetary competition is kinda like saying we need competition for rules of the road. We need competition to decide if driving on the right or left is better, we need competition to decide if red should mean stop or go. Consensus around the rules of the road are what allow people to get where they need to go. Money is what enables value comparison & competition. If we had endless competition about internet protocols then nothing would work. The monetary competition is going to eventually come to an end & I think Bitcoin is going to win it because development took network security & robustness more seriously.