Do you really suppose anyone in the EU will allow you to maka any payments that are completely anonymous/untraceable?
I do trust my bank, if I wouldn't trust them I would find another one.
I don't see what problem taler is supposed to solve.
Money streams would not be completely anonymous. Only the end user would be anonymous. And, the competition are not necessarily only banks, but shady, non-EU middlemen such as Visa, MasterCard, PayPal etc. where it is well-known that they sell your data wherever.