You raise a great question. My only concern is digital ID social systems and Cryptos based on CBDCs where, despite Blockchain being decentralized, the CBDC infrastructure is designed in a way where banks control the crypto that will essentially be the new currency for commerce.
Digital ID? Your entire life under one ID? For all to see? I don't like it. Because going full on digital opens up the door for controlling the populous.
CBDC = Central Bank Digital Currencies