RE: How the banks will become obsolete...
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Yes cryptocurrency was invested to get rid of central banks and everything connected.
Central banks are reason for wars and poverty amoung many other evil things... when everyone uses cryptocurrecy and nothing else then war and all of those evil stuff is gone.
I am no fan of X-pay it will basically not be a cryptocurrency but a digital fiat currency as far as I can see... not the solution, you should not promote that shit!!
Instead promote LasseCash as on of the most anarchocapitalistic cryptocurrencies ever!!!
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"Five Reasons Why LasseCash is Trash"
https://peakd.com/hive-167922/@holovision.cash/five-reasons-why-lassecash-is-trash