Even with the economic recovery being stronger and faster than expected, there are certainly reasons to be vigilant. Interest rates are likely to remain very low for quite some time, putting downward pressure on banks’ net interest margins and their profitability more generally.
The almost unavoidable conclusion, possibly even somewhat prophetic, is that money is liable to become extraneous when participants in an economy have access to historical documentation of all the activities carried out in the past by the other participants. That is, the use of money is not ideal, and more sophisticated “memory substitutes” could lead to better economic results.