I don't understand the willingness of the masses to willingly give governments complete access to all of their transaction data. At least in the U.S. bank transactions are feebly masked by institutions. I have no doubt the government gets bank transaction data, but with Pix, it's just making it even easier to monitor what you're doing. Is it that the transparency makes it feel good? No middleman selling it or giving the facade of private transactions?
I do not see how this is better than cryptocurrency, which, while not fully anonymous aside from Monero, is at least decentralized.
"Is the government spying on me?" tends to be a concern that is secondary to things like "Am I getting paid?" and "Can I buy groceries?"
Technologists repeatedly get this wrong. The best money system is the one that lets me buy groceries in exchange for working, not the one that's cryptographically unbreakable. Unless I'm running an illegal internet-based drug empire, in which case, the ones that aren't cryptographically unbreakable are disqualified, since I'd need the government to not be able to trace the money flow in my illegal drug empire. But even real illegal drug empires that are not internet-based mostly use government-issued currency, with measures taken to hinder tracing!
Well, unlike cryptocurrency, it works reliably and quickly, does not require you to manage your own keys, and provides recourse if things go wrong. Those are pretty strong points in its favour.
I do not see how this is better than cryptocurrency, which, while not fully anonymous aside from Monero, is at least decentralized.