To this day I still don't understand how XRP managed to sneak into the cryptocurrency category. It bears no resemblance to any of the factors that I'd consider make a valid coin.

As for a government issued crypto, look to China and its drive towards cashlessness because that's what it would look like. It would award governments total control over their population in a way the current lash up of a system does not. With a few presses of buttons they could bail in, inflate, impose negative interest rates, cut you off from any spending at all, censor who you spend with, analyse every single transaction and plenty else. Without cash and with nowhere else to go other than government controlled wallets and banks you're locked into a system that there's no way out of.

A government crypto would make the current discontent with the state of things look like child's play. It would be one move deeper into an absolute nightmare.