They actually don't care one way or another, except when consumers start getting ripped off from scams.
Governments usually don't give a damn about people being scammed. Look at all the regulations they put forth, none of them is to protect users. It is always either to KYC them or to take taxes. In other words governments care about their own pockets and care about their control.
Well, speaking of the Democrat the Republicans hate the most, Elizabeth Warren co-authored a very famous bill in Congress to create the Consumer Financial Protection Bureau (CFPB), which is an entire agency that is dedicated to protecting consumers from fraud. This agency has saved Americans billions of dollars in junk fees, and other things. In the US today, if you get some mysterious fee on your bank statement, you can report it to the CFPB and they will investigate, and potentially fine the bank (and make them stop it).
So maybe governments "usually" don't, but sometimes... they do.