Yet another approach to this stuff is to set up transactions with no privacy whatsoever - for anyone. If a teen buys a bottle of gin, the whole world can see it and if some corporation buys a legislator the whole world sees that also. Sometimes I think a perfectly transparent "money" system would be better than a perfectly opaque one. The present mix in fiat-world favors the villains most though, whether they be in government or the private sector. Duffygate anyone? (Topical Canadian joke).
Year! ..and the Girl from the highly religious family that buys a pregnancy test and the world can see it...
The points where anonymity or pseudonymity are legitimately needed in financial transaction are maybe not very many but they are so important that the ability to be able to pay anonym needs to be available at any price in all monetary systems.