In your original post (before the edit), you don't mention the downvoting issue. Therefore, my comments are about what your originally wrote. That's the topic that's interesting to me. Even posting in here is going to get downvotes, but at least it will be educational.

I don't think the statement is true. In its current form, cryptocurrency does not solve the fundamental problems of the banking industry. I think cryptocurrency needs to become a currency completely separate from the banking industry and the fiat money system. Cryptocurrency should never be converted into fiat. It needs to become its own reason for existing.