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You are right to be a skeptic of cryptocurrencies. All of them are garbage. Focus just on bitcoin, because it aims to solve the exact problem you have identified in the most secure, decentralized way possible. Any cryptocurrency that tries to bolt more onto its base layer will always sacrifice some level of decentralization which is where a lot of problems get introduced.

cryptocurrency and bitcoin are not categorically the same.

The problem is not both ends always have bank accounts. This is the specific area where remittance payments and bitcoin can fill the void.

Because WU has a monopoly on remittance payments in multiple countries.

There are a lot of things the police can't do, but do do and get away unscathed because of union or department backing. I wouldn't be surprised if they beat a person to death for refusing to give this info up.

Personally im not taking a fucking chance. If they ask, I'll provide any info I have. I am trying to live, not demonstrate to a cop that I know my rights he is violating. If you think that's a wrong mentality to have then maybe we should step back and figure out how to make actual progress to de-escalate a police state.