I loved reading this post and resteemed it. My internet connection is so bad I am not able to follow the steemschool live etc. In most occassions discord is not even loading.. so this future you mention is not possible forveveryone :( To be honest I doubt cryptocoins etc will change the bankingworld etc. If you wNt to buy or sell there are cosys as well + as I noticed at the end of last year as there was a big rush, you even had to pay more fee or it was not possible to buy or sell.
Poor people are not able to borrow money. People with many debts neither so it is not possible to invest in Steem