I seriously wonder if you can create a digital currency that can effectively be anything other than commodity money. That is, I don't know if you can truly crea

I seriously wonder if you can create a digital currency that can effectively be anything other than commodity money. That is, I don't know if you can truly create a logical, mechanical system that permits all of the following: the creation of a fiat currency, the allowance of credit and debt, an autonomous system that cannot be controlled by actors like central banks, and transactional privacy. I believe some of these things are in direct contradiction to each other and there just isn't exactly a wide amount of academic discussion going on about it that I've been exposed to. And what's interesting to me is that if you did effectively create such a system, how would it manifest in usage? If there isn't a digital gold rush, or a speculative aspect to its consumption, well ran monetary systems from established governments give you few reasons to utilize it.