What militates against a rapid changeover is the huge amount of inertia in the system.

Once inertia seems to be on the way to being overcome expect copious quantities of 'strategic damage' or sabotage to be inflicted by existing financial incumbents, the worst of it through governments which they control and their legal systems. Only when that has been overcome can we truly have a paradigm shift. But favoring the shift might be some incumbents betting on making the shift themselves as early adopters and using their incumbent power to confuse and confound the existing system.

"It is not necessary to have hope in order to persevere."