I am with you on this one and in a perfect world the technology that does the most good for the majority of people would be adopted without any issues. Unfortunately we don't live in a perfect world and the government had different goals that the average person living in that country. For the government it would be perfect to have an economy that only runs on a digital currency, as long as the state has the monopoly and full control over the money supply of that digital currency. Transactions are being processed instantly and no more chances to operate outside of the reach of the government. Tax evasion would be something of the past and the government would able to enforce all their new laws without problems. Which is probably why we are not going to transfer to a digital currency only world any time soon. Citizens are never going to give up all their cash rights freely and would probably rebel against a party that would try to change it. For the citizen it would be interesting to switch to an independent crypto economy, but the politicians would never accept moving to a digital currency where they have no control over the money supply, as they wouldn't be able to run constant budget deficits.