Right, I’m all for carving up or cutting out central US gatekeepers (including here at home), I just don’t think single centralized systems like Pix are necessarily better. For sovereignty, yes, but not for individual liberties. Government shouldn’t have a direct lever to instantly cut off your payments or control your spending.

Besides cash, no distributed payment systems in use at scale exist. Your options are centralized systems with strong regulation, or centralized systems with weak regulation. KYC, AML, and other controls on value transfer will always exist as long as nation states exist, they have a monopoly on the law and enforcement of it. You won't solve people problems with tech.