I think that changes are happening faster and slower than you imagine.
We are very bad at exponential math. I think changes in birth control, dating online, and social changes are faster than ever before.
The developed world will shrink and people couple up in ways people only 5 decades ago couldn't imagine.
Governments and societies are not ready for this or a system where we need to work less. John Maynard Keynes in Economic Possibilities for our Grandchildren opined that, by 2030, the average work week would be around 15 hours (3 hours per work day).
And banking in Canada is behind many places. Lithuania, Estonia would be examples.
I lived in Finland in early 90s - they had already gotten rid of cheques. Russia with Qiwi kiosks is quite innovative.
Why did banks want to get rid of cheques and why did they stay? The settlement was fast near the end with imaging etc. Basically Free. What did we get? email transfer? fuck I worked on building that in 2000. Can't believe it is still there with shitty limits for businesses.