We have these, they're called debit cards, credit cards, paypal, etc.

For anything "state-sanctioned," centralized and "trustful" systems are always going to be more efficient, and chosen over less efficient and inferior options.

This is why it's hard to see where something like bitcoin would ever find widespread use, it's only good for non-"state-sanctioned" things.

If large numbers of people were to start doing non-"state-sanctioned" things, they wouldn't start using bitcoin, they would change the laws of the state.