I can only imagine how controversial a proposal to adopt a digital currency would be

I can only imagine how controversial a proposal to adopt a digital currency would be. 💵

If the government has access to your digital currency, it could lead to all kinds of privacy violations and abuses.

At least with a credit card, your financial data is in the hands of a private business, so you have some certainty that the government will need to get a search warrant before rummaging through your list of purchases. While certainly some privacy safe guards can be set up with a digital currency, you got to think that there is still some greater protections by having your money in a private institution then in the hands of the government.