“If their current assets are in dollars, euros, yen, or something else (like real estate), they need a simple way to convert those assets into digital currency.”

What exactly do you mean by ‘digital currency’? The clear definition (to me anyway) is already covered by credit cards, apple pay, paypal, etc. At the bank level as well, today all of our currencies are ‘digital’.

It is very unclear to me what you believe the benefits of cryptocurrency are above and beyond the lack of centralized control. Active compliance is defined by giving up control to some centralized entity, so I’m a bit confused by the whole piece.