You forgot to mention that governments require you to use banks for opening a business, purchasing a house, or accessing the financial system in general. Once you start living off bitcoin ATMs, you'll easily become enemy of the system, the source of your funds will be questioned, you wont be able to make large purchases, and you'll be treated as a money launderer forever.

ps: bank lobby in the US made into the GENIUS act even, forbidding stablecoin yields