Cost kind of stops the government from sending goons right now, sure some governments do it but, it's costly at scale.
"Disabled spending" already happened to the people in the ICC that acted contrary to Trump's diktats[0], without the need for a digital panopticon, both the banks and the government know who you are.
[0] https://www.irishtimes.com/world/us/2025/12/12/its-surreal-u...