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I'd love to see the federal reserve issue a no fee stablecoin, though I wonder if it would be secure in the long term with quantum coming.
I have the most incredible news for you about this crazy new thing called... cash.
More seriously, there's no reason government bodies shouldn't just create a central digital transaction system with real money, instead of pouring resources into the stupidity of a blockchain system. Save everyone a lot of trouble and wasted compute cycles and just make the source of trust in the system the fact that it's administrated by a trusted central authority running a database, instead of the various shell game wank of blockchain systems.
The whole reason the shell game wank is an attractive prospect in the first place is a question of who watches the watchmen. If your trusted central authority gets compromised, will you know? And if you know, will you be able to do anything about it?
I don't exactly think that cryptocoin is the best solution in this regard, but I can at least respect the attitude behind how it came to be.
The counterpoint being that a centralized organization introduces checks, balances, and recovery methods for some losses. If your credit card gets stolen and charged or your bank suddenly becomes insolvent, you have a significant chance that your money will be able to be recovered. Compare that to cryptocurrency, where your wallet information being compromised or a crypto exchange you have assets in going under leaves you at a complete loss and entirely devoid of recourse. Centralized systems have many issues, obviously, as Visa seems to be on an endless crusade to make everyone supremely aware of, but at the same time cryptocurrency being an alternative doesn't make it a valuable or viable alternative.