It takes time to repair balance sheets, to reduce excessive leverage and to unwind the asset market imbalances that might be left behind by a crisis; and it takes time to reverse the damage to trust and confidence.
Digital currency includes all electronic forms of money that represent a store of value, medium of exchange (or payment) and unit of account. Unlike banknotes and coins (cash), digital currencies can be issued by anyone, which also means a wide variety of currencies have been issued.