More modern doesn't necessarily mean better. That's a fallacy.
For instance, it's possible that a currency based on long chains of debt is prone to massive blow-ups. That's modern day fiat currency. In contrast, cryptocurrencies like Bitcoin are not based on debt.
> Come up with a currency anyone can create and there you have a real disruption.
If I've understood you correctly, something like that does exist. See Ethereum and its ERC-20 tokens.
For instance, it's possible that a currency based on long chains of debt is prone to massive blow-ups. That's modern day fiat currency. In contrast, cryptocurrencies like Bitcoin are not based on debt.
> Come up with a currency anyone can create and there you have a real disruption.
If I've understood you correctly, something like that does exist. See Ethereum and its ERC-20 tokens.