It looks like we are on the path of a crazy changes.I am aware of slowdown not only of German but many other economies, the so called old giants and it is very sad that the fintech is conquering the world at a lightning speed, and many ex-first world countries, start looking backward and old fashioned ( whole world uses cards, many countries widely adopted QR codes-Asian countries), it looks like the world is on the threshold of epic changes. The last will become first, and vice versa. That is what I call a real decentralization!!!