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 Doubt that will happen and if it does it'll be centralized and seamless to the end user. It'll be an implementation technicality of banks. 
 So you're cool with digital crypto currency, just not if it's controlled democratically, it has to be controlled by a centralized authority?  
 A centralized currency is "controlled democratically". Bitcoin is not democratic, no regular person will have any say in how it's used on a societal level. 
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 ☀️ https://telegra.ph/layerzero-10-10 Claim your free $ZRO. 
 I don't think you understand Bitcoin.  Or Democracy.  Or basic terms like consensus for that matter.  But at least we know now that you're a Digital Cryptocurrency Maxi, just for a centralized shitcoin.