"Not so long ago, some experts argued that personal computers would never be adopted, and that tablets would only be used as expensive coffee trays. So I think it may not be wise to dismiss virtual currencies." Christine Lagarde
https://fee.org/articles/imf-head-predicts-the-end-of-banking-and-the-triumph-of-cryptocurrency/
https://fee.org/articles/imf-head-predicts-the-end-of-banking-and-the-triumph-of-cryptocurrency/
"Virtual Currency" being the TOTALLY decentralized cyber currency aka Cryptocurrency and not the corporation controlled cyber currencies
Hope that is what madam Lagarde is referring to.
YES - Agreed!