Why is it a problem?
It is costly...(expensive)
It is not for micro-transactions...
You can get kicked out like Russia... (So, as a government, you cannot rely on it)
As a government, you don't have a right to vote in decision making or government in SWIFT system. (not inclusive)
To change it, at least one competing system is required to put the pressure the current system. It will not change from the inside.