Digital currency will never control this market. To do this, the whole world must rebuild the entire financial system.
Digital currencies are much more efficient.
Why do you think FB is developing its own currency now?
Because they do not want to depend on a third party (like CC companies)
and it's difficult to push a paper note through your phone to pay.
The whole financial system is already adjusting. It's not because you don't see it that it is not happening.