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.

These controls exist, but the more options there are, the weaker the controls are. I’m in favor of weakening them as much as possible to reduce potential chokepoints.

The more alternatives, the better.