I think that national digital currencies have less risk than the current private providers. While in both cases some people will be (I mean, already are) cut fr

I think that national digital currencies have less risk than the current private providers. While in both cases some people will be (I mean, already are) cut from the possibility to make payments, these aren't the same people and the impact is different. Government-run payment systems have to have explicit legal grounds to make decisions, and their ability to make discriminatory decisions is curtailed by constitutional requirements for fair and equal treatments. A government-run payment system can and will block payments which are for a purpose which the general society through their elected representatives has decided to be criminal, and if the society changes their mind (as it has on many things) they can legalize that stuff, and it will also become legal in the payment system. On the other hand, the current privately-run system can (and already does!) block payments which are for a purpose which a few unelected rich dudes have unilaterally decided do be undesirable; and if the society decides to legalize that stuff, they can ignore it as that's their arbitrary private choice and they can't be held accountable.