Governments instead of giving us better options than cash they are trying to make cash less available. This doesn't improve the situation for anyone. If they were really on the people's side or want to pretend they are, they ought to make free bank accounts: no fees at all. You leave money in and take out as you like. Self-limited credit cards, maybe people feel better with a $100 limit rather than $500 limit? Let the user set it.

You probably don't want to carry around your bitcoin wallet if you can help it. :)