Not OP, but I'd dislike it if everything is run by private corporations. Already our communication methods are like that (FB Messenger, WhatsApp, Zoom, Google Hangduomeetout, Twitter), and these companies can just say "You violated our TOS, get out!", or they censor things depending on who's friends with them (for example you can't send piratebay links on FB Messenger because "this website is a security risk to your computer", but the real reason is probably Hollywood lobbying). Imagine if you write bad stuff about China, and the banks in your country who have a commercial interest to expand to China gets a memo "AmericanChopper is in our embargo list, if a bank does business with him they will be embargoed from China". (I say China, but the US does this, and no bank worldwide would dare touch anyone in the US's embargo list, for example Putin's friends. At least when the US does it, they have good reasoning, imagine if China does it and makes up some bullshit against you, and the banks would just follow because... money).
Sweden has a pilot project for a digtal currency: https://www.technologyreview.com/2020/02/20/906146/sweden-ri... , I wonder how it's going.