You haven't explained how a new digital currency makes this easier. Any retail banking setup provided by the government for a new digital currency could just as

You haven't explained how a new digital currency makes this easier. Any retail banking setup provided by the government for a new digital currency could just as easily make use of dollars and would provide equal benefits. As far as I can, the only thing you can get with a new digital currency is the ability to decouple it's value from the dollar.