From the government’s point of view, there is no reason to make it easier for citizens to anonymously and untraceably send money to one another. It’s political

From the government’s point of view, there is no reason to make it easier for citizens to anonymously and untraceably send money to one another. It’s politically impossible for them to eliminate paper/metal cash, but they’re not going to make cash transactions any easier. (And any country whose central bank supports completely digital anonymous cash will suffer the fate of Nauru: first it will attract money launderers from all over the world, and then the world financial system will shut off all contact with it until it reforms.)