I agree with your conclusion - but your premise of conspiracy is wrong.

Using virtual Money is obviously much better than paper money. The difference is should it be centralized or de-centralized and anonymous ?

The paradoxical economic problem with decentralized money is that the govt has no control over it. Which means during bad time its going to be very difficult for the govt to enact changes. We learnt it the hard way During the great depression when money was pegged to gold and the govt was unable to use inflation to restart the economy.

Its a deep economical problem for which there is no known theoretical solution. Is it possible to have a decentralized monetary system that can also be controlled by a representive govt ?