"thought needs to be given to creating a public digital currency"
Yes, well, let me think about that for a minute.
Hmm, right : fuck that.
We have a national currency that is perfectly functional and I don't need anybody but my bank to transfer money to anyone I choose. I do not need to subscribe to a criminal organization's excuse for laundering money, or another criminal organization's excuse for spying on my private life. And, as far as investments are concerned, I invest in my house, thank you very much.