"Is the government spying on me?" tends to be a concern that is secondary to things like "Am I getting paid?" and "Can I buy groceries?"

Technologists repeatedly get this wrong. The best money system is the one that lets me buy groceries in exchange for working, not the one that's cryptographically unbreakable. Unless I'm running an illegal internet-based drug empire, in which case, the ones that aren't cryptographically unbreakable are disqualified, since I'd need the government to not be able to trace the money flow in my illegal drug empire. But even real illegal drug empires that are not internet-based mostly use government-issued currency, with measures taken to hinder tracing!