So far every option has a usability problem that's been solved by companies with the same KYC requirements as credit card processors. This will remain the case as long as people also want to transact in fiat currency, and that will be true as long as it's how people pay the bills and buy food.
Any crypto-only platform that solves the problem of everyone needing a copy of the ledger and gains meaningful adoption will face the same legal, PR, and regulatory pressures as anything else in the same place.
A government program has to abide by First Amendment protections. Most restrictions payment processors and banks put in probably wouldn't survive a civil rights lawsuit.
But without a central authority how would everyone agree on what's the truth? How would you avoid double-spends, protect against Sybil attacks and basically prevent people from creating money out of nothing? If someone could solve that it would be truly revolutionary. /s
