Oh that first answer is very interesting - my thoughts at the moment is when/if is this technology going to be included by governments alongside their currencies. Eg each currency being "digitised" alongside standard paper currency. Doing some background reading, this reads as the opposite of the goal of bitcoin/blockchains.

I feel as if a more achievable goal would be not to have a blockchain as a currency or reserve currency, but rather a settlement mechanism shared between banks and individuals (who don't have direct access to ACH etc). That means the coin would be the vehicle of transmission and record. Is this a common viewpoint?