In China research and trial runs on the prospect of issuing its own digital currency have not only been conducted, but a Digital Currency Institute has been established with a research focus on the use of distributed ledger technology and Fintech.
There is always a period in which people can see that many of the conditions for expansion are in place but aren’t yet fully confident it will happen. Nor is it confined to Australia. The gap between financial risk taking and “real economy” risk taking is seen globally at present. It is reasonable to expect that, at some point, this will change.