Where do you see the next big thing in payments fraud?

Fraud is always going to be a thing with payments. I'm not sure what you're asking? But if I had to choose between old-style banking institutions and Bitcoin/Monero/Ethereum I would choose old style banks, since they do things like rate limiting on how much you can withdraw/send, thereby greatly hampering fraud.

Government workers will use all the tremendous amount of government addiction which has increased since smartphones became a thing.