In my opinion, we need the central bank to withdraw fiat money that we get from bitcoin. Requires a central bank because not all governments legalize bitcoin so that in using it for daily needs this central bank needs.
I agree, but central banks do not have individuals as customers, only banks. It is the commercial banks that enable this function of bitcoin/fiat exchange. This works as long as the system is stable. In a country like Venezuela with hyperinflation, people do not want fiat. There it is better to hold on to bitcoin etc. and use them for daily expenses directly.
In Venezuela, operating a crypto mining rig is illegal and you can be imprisoned for it. Still, according to Bloomberg most households in the capital run a mining operation because there is no trust in government, banks or the central bank.
I doubt governments will ever legalize Bitcoin as legal tender.