Nothing I would love more than to eat my words and be wrong but I honestly cannot see a country taking on digital currency at this point in time.
this is easier than you might think.
a. most money is electric already ... so nothing changes / just a debit card like before
b. real paper money can be printed (each note redeemable for the crypto)
c.
the only difference is sound currency and sane monetary system (fixed units & at fixed rate of inflation unless algo is forked by .gov) and if the average person wants to be a bank they can use QTs (no different than stashing bank notes under a matress).