iTunes / Steam vs piracy is relevant here.

Most people want something that works well in the ways they care about.

People turned to piracy because it was a superior experience to the then-distribution-models.

Then, the majority of people didn't care that iTunes / Steam cost money and had DRM, because it provided a superior experience to piracy.

People want an outcome, easily, reliably: they don't care about the method of getting that outcome.

Cash is arguably more secure and likely less traceable and easier to use if you don't trust governments. I don't see much use case for crypto other then illegal activities (although possibly not always immoral)

That’s right crypto is also very traceable by the very public nature of the ledger

Somehow Monero (XMR) gets around this, used in the biggest European underground pharmacy Archetyp.

Each transaction is somehow only known by sender and receiver

> Once multiple countries have their own PIX, they just need to build a federation structure to connect them and allow cross-border transactions.

To add to this, this is already happening. For example, you can already pay in the Middle East with India's UPI at quite a lot of places, or with China's Alipay or Unionpay.

For federation, the hard part isn't building the system but building the required trust between the different states and getting it all set up legally somehow.