Sure that ApplePay will work, unless Apple disagrees with your political views and deplatforms you, or any of the governments they answer to order them to do so.
The government should create digital money instead of just physical money.
Five eyes governments like having the power to shut the finances of dissidents (see Canada seizing trucker bank accounts, FBI-partnered NGOs getting Trump supporters deplatformed from financial services). Any digital currencies created by governments will still have this same mode of failure by design.
more to the point, it's useful to be able to do it via soft pressure on private banks rather than hard power
Not creating a taxable event logged on your 8949 everytime you spend 'digital money' would be a nice first step.
Apple Pay in Japan is different and uses anonymous payment cards, you can be as racist as you want.