If the state is a bad actor good luck with using cryptocurrencies to avoid that. You will be retrospectively controlled if necessary.

The state as a bad actor is controlled by democracy, not technology.

Aside from that, in payments the bad actors you need to actually worry about are malicious vendors and customers and hackers stealing your details and your money. None of which Cryptocurrencies make better, mostly they make that worse, because they were designed as digital cash.