Post-Monetary Society: Crypto Just A Bridge?
What will things look like in a decade or two?
This is a question people have been asking for decades. While futurists and Sci-Fi lovers tended to romanticize things, the reality is, in most instances, not much was different. This was the case in the 2000s.
Prior to ChatGPT, what was really different? Mobile was big but that was the convergence of 3 major technologies. In other words, it was simply a repackaging. Then we have streaming which obliterated a few different industries. That said, we still watch programs or films by looking at a screen. The delivery mechanism might be different yet we were still sitting on the couch.
Generative AI is quickly altering this. We are seeing advancement in many areas that were previously stalled. It is also bringing us to a level where a lot of services face disruption.
What does this mean economically and from a monetary standpoint? We will take a look at this, including against the backdrop of a major industry that costs trillions.

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Post-Monetary Society: Crypto Just A Bridge?
Consider this idea:
I was watching a video where the guest mentioned he knew of a start up that was trying to roll out an free AI doctor by the end of the year. Naturally, we cannot presume this will occur but, as a thought exercise, let's go with it.
If something like this emerges, what will happen? At first, it will be resisted. Every mistake it makes will get media attention. Anyone who knows the evolution of technology understands how this works.
Over time, things will get better. Since this is a language model, it will not take long. We can, based upon this timeline, forecast that the second and third iteration would likely hit in 2026.
Judging by the path of evolution these models follow, that scenario would likely mean we are dealing with a powerful application by the end of 2026.
What impact does this have? According to Grok, here is what the situation is like in the United States:
The United States spends a significant amount on healthcare each year. Based on the most recent data, in 2023, U.S. healthcare spending reached $4.9 trillion. This figure comes from the National Health Expenditure (NHE) estimates by the Centers for Medicare and Medicaid Services (CMS), reflecting total spending across all sources, including federal, state, and local governments, private insurance, and out-of-pocket costs. On a per-person basis, this translates to approximately $14,570 annually, given the U.S. population of around 330 million. Healthcare spending in 2023 accounted for 17.6% of the nation’s Gross Domestic Product (GDP), highlighting its substantial role in the economy.
Of course, if we took the global figures, it would be much higher.
A free AI doctor would not eliminate all the healthcare costs. Treatments, surgeries, and hospital visits do not instantly vanish. However, the ability to diagnose would be available to all.
It is anyone's guess how long it would take before regulation made this an acceptable path. My thoughts are that it will follow overall AI acceptance. Resistance exists until enough people reach the point where it is trusted regardless of the industry.
The point is we are dealing with one concept. Stretch that out into accounting, legal, financial, and education. Suddenly, a lot of expenses that one could have disappear (or are seriously reduced).
Crypto A Bridge
I theorized that stablecoins will be the medium of exchange going forward. We will not see most crypto operate in that capacity since they serve other purposes such as access or value capture.
The latter will likely still be present regardless of the economics in an AI world. But what about the medium of exchange? When most services are free, how does that change the structure of the economy.
For the moment we are referring to knowledge work. If we incorporate robots into the conversation, a duplication of this in the physical world is possible. Now we see the situation pushed to another level.
The question then becomes is crypto (stablecoins) just a bridge to a post-monetary world? Overall, there are still biases against a lot of what we are discussing. People do not have the trust. This is simply a temporary matter. Humans resist what is new.
I like the example of calculations. Almost all of the calculations done online are computer generated. Does anyone question the volume on a stock traded or the likes on a video? We know the calculations are correct. The source can naturally be questioned since many likes are done with bots. As for stock market volume, we know the overwhelming majority of those trades are initiated by computers.
Yet, in spite of that, millions of people still invest (trade) the stock market.
Age Of Abundance
Many are forecasting that technology is going to lead us to an age of abundance. This is something I started writing about many years ago.
My view this is a certainty albeit not a path without difficulties. We are probably going to see at least a decade of chaos due to the implication of these different technologies. Humans adapt slowly to change. What is worse is human systems lag even more. This could create a lot of disorder and society grapples with the changes.
After that, say in the 2040s, what do things look like. By that time, we are likely in an economic singularity although GDP will have even less meaning than today.
We are now entering some of the Star Trek concepts. But think about it for a moment: if knowledge work is being disrupted and the cost of information is already pushing zero, what does that mean? The span from information to service is simply the development of an agent (application).
What role does money have in such an environment? At that point, what is the make up of the economy? We saw how things changed with information. The "information super highway" of the 1990s actually created the information economy. Even the physical is now driven by information.
AI is putting this on steroids. As we can see, areas of payment might be eliminated due to the fact that an agent handles it.
It makes for interesting thought exercises.
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Advancements in AI and technology are rapidly changing the way services are delivered and disrupting traditional industries.
It will most certainly change a lot of stuff...
The idea of a free AI doctor gives me the creeps cause I do not trust with my health.
Do you fly?
Seems you arent willing to trust it with your health but do so with your life. Planes fly on autopilot more than 80% of the time.
Wow, I did not think it like that.
https://www.reddit.com/r/Futurology/comments/1jezqrh/postmonetary_society_crypto_just_a_bridge/
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I also think crypto is a transitional stage between money and post monetary world. In the future people will treat money like collectibles or trends, but there won’t be as much trading for goods going on because so much will be free but people will do things in exchange for reputation points or collectibles or just cause it’s fun.
I do worry there will be a “you will own nothing aspect to it but let’s see
There was a time when owning a set of encyclopedias was a standard (for the well to do). Today, the idea of owning information is absurd. Do you care that it is online where you can access it at anytime.
I wouldn't count on "AI doctors" taking over any time soon. Expert systems are used in medicine for over 50 years and despite showing results comparable or better than human doctors, real people are still who makes decisions, even if the application helps in running medical procedure in a consistent way, in accordance to best medical practices.
Personally I think we can only count on "googling the symptoms" to show diagnosis closer to actual problem, but in the end we'll still need to see the actual doctor. Doctors will frown upon patients coming with such diagnosis just as they do today (despite using the method themselves :o) ).
Your forecast could be right. We are talking about crystal balls here and who has the one that is the clearest. As they say about forecasting, it is a race to be the least wrong.
That said, I dont bet against the pace of things. One variable is healthcare (and education) are highly regulated. That will provide protection for the status quo.
If AI ends up making most services free, I wonder if people will just start working for fun, clout, or collectibles. It'll feel like a video game economy. I think it'll be a better world than what we live in. At least you'll have the power of decision making without the limitations of financial lack
People talk about meaning. What do wealthy people do? Are most of them addicted to drugs or soap operas?
Does Elon Musk or Warren Buffett work for money? They have more than could be spent in 100 lifetimes.
I see the point Mr Task I see the point sir 💯👌
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areas of payment might be eliminated due to the fact that an agent handles it. still a little complicated. Does it mean if AI doctors were to emerge then payment for healthcare will diminish? Talk of AI maintenance, adding to that, many issue of stablecoins are just a transformation of fiat to assumed virtual since still backed by Fiat. There are still a lot of dots to connect here for a near future reality.
Automation tends to reduce costs. The question is what happens to the money. If a company can do it, it tries to increase its profit margins.
With an agent, it depends upon how it is set up. If it is free, then the service will have no charge. A cost being pushed to the users could be lower than what one pays for a human. Of course, others might end up developing agent doctors that do not charge.
It will be a new world as some of this unfolds.
A Payless service in the future, it is something to consider when we as humans are already too used to money transactions. Anyway, there are lots of Payless services we are currently enjoying but when comparing it to the area of health, it will be a huge cost cut, something that healthcare experts and developer won't just hand out anyhow I guess
This has relevance to Mars and Moon colonization as well, especially in the early days when everyone is working together to survive. People will still work in shifts as we all need rest, but will they be paid (probably in crypto) or will it just be a case of all working together?