Governments Creating Cryptocurrencies: Russian (cryptorubble), Venezuela(petro), Estonia (estcoin), Federal Reserve and the list goes on..

William Dudley, president and CEO of the Federal Reserve Bank of New York said in a November 2017 conference that they are exploring the idea of making their own digital currency. Meanwhile Dubai has already officially released a government sponsored cryptocurrency called, emCash.

Central banks around the world (China, Japan, Sweden) are developing their own cryptocurrency.

The Russian government is moving fast to develop and release its "cryptorubble"
https://steemit.com/cryptocurrency/@hrock/crypto-rubble-russia-to-soon-launch-the-first-national-cryptocurrency-in-the-world

So what does this mean to us, regular people?

I think this is just the begining of a new era of economic opportunity for ALL. More opportunity for those who are unbanked to participate in a truly global economy and opportunity for those who must rely on banks to have more options. Instead of relying on the central banking system that is a sinlge point of failure, organizations and individuals can use decentralized systems that work even when banks fail and have to be bailed out.

This opportunity does not exclude banks and governments, but does not NEED banks or governments in order to work for regular people. In fact, banks and governments can participate.

We have been moving quickly away from centralization in the last few decades.
Cryptocurrency and its underlying blockchain technology may even allow individuals more self governance.