What replaces the Fiat/Central Bank model?

The Fiat system was based on Debt. The next system is based on Behavioral Access.

BlackRock, the BIS and the Central Banks know the Dollar is dying. They are preparing the Tokenized Economy with Central Bank Digital Currencies (CBDCs).

Cash is anonymous. If you have a $100 bill, the Bank doesn't know if you buy a Bible, a rifle, or an apple. It offers too much sovereignty to the Peasant.

The New Protocol is conditional money: A CBDC is not just digital money. It is Programmable Money. The Central Bank issues a token directly to your digital wallet. But the token has code attached to it (Smart Contracts).
They can program the money to expire thus forcing you to spend it to stimulate the economy. They can program it to restrict purchases.
* "You have reached your carbon footprint limit for meat this month, your money will only work for bug-protein".
* They can freeze it instantly if you attend an unapproved protest.

Larry Fink (BlackRock) has stated the goal is "The tokenization of every financial asset." They want every stock, bond, and deed on a centralized ledger they control.

The 20th century was about extracting your wealth via inflation. The 21st century is about extracting your agency via algorithms. Money ceases to be a store of value and becomes a Compliance Voucher.

Bitcoin is the only mathematical counter-measure, because it is a ledger with no Admin. That is why they will fight it, or try to buy all of it to corner the market.