no, it wouldn't. the government wants to be able to freeze and seize and track money too. this is why it doesn't like crypto, or facebucks, or e-gold etc. because the government always wants control. so the next generation of digital payments will be made to run off fedwire (not shitting on it specifically, it's not a bad idea by itself) and later some CBDC.

next time the canadians have a civil disobedience problem they will not have to go to a bank to freeze money. they will just do it directly.