It will always be traceable and you can see that many fintecht companies that make things easier (like bunq and N26) also catch a lot of attention from bad guys

It will always be traceable and you can see that many fintecht companies that make things easier (like bunq and N26) also catch a lot of attention from bad guys and at the same time seem to freeze quite some accounts based on suspicious activity (I see that on the forums, I think there are a lot of false positives as well). A lot of "Whatsapp fraud money" seems to move through these companies, no wonder because with some you can get several cards activated immediately, funnel money through hopeless people's accounts into bitcoin exchanges or cash and it's gone. Anyway, we can only hope they won't outlaw cryptocurrencies to have a glimmer of hope for anonymous payment in the future.