yeah, it has to grow to the point where the relation is inverted without the central banks noticing. The potential is there, and with world economic catastrophe, maybe it could happen quickly. If a central bank or two were to quietly go into "libertarian finance” there might be a silent pressure.
My take is it’s worth it to understand crypto decentralized finance or “defi” as it’s called, but it’s more likely that it will be embraced and extend the existing system rather than result in some anarcho-capitalist outcome...
“without the central banks noticing”
That’s simply not possible. It is being watched like hawk.