I'd hold my breath on this on until the UK make a cbdc, I'd imagine they'd put a 2-4%.inflation rate on a coin or at least produce another cbdc that has low inflation - afaik some gold coins are legal tender still (but they're worth more just to sell on than spend).
And yeah the US irs seems crazy compared with the uks hmrc - tbh my tax return taxes about 2 hours to fill in and its about 40 pages long but it is mainly checkboxes and filling in amounts - if you file wrong and they assume its an accident then its £10 a month you don't pay the tax for added to the bill (lower than a lot of interest rates if its high enough for them to investigate)...