They must get to you somehow. Widespread use of criptocurrencies mean that with social engineering, fake/trojaned apps or even using nsa backdoors your wallet is exposed for all the world. Social engineering is a powerful tool with bitcoin stealing trojans. Things are not so easy with bank accounts, even with all the problems they have, and of course, not with cash.
And if you don't want to rely in third-party gatekeepers, how most people will use it? In your phone? in your (for the majority, windows) pc? You can't use gatekeepers because a lot got hacked or just run with the coins, and you can't have them yourself because the most used platforms are ripe for external exploit, either making the user do something or just making popular good looking trojans.
And if that insecurity is not enough, having over that government sponsored weakened encryption algorythms and mandated backdoors don't help a lot.
We are still not ready for a distributed digital money in those terms.
If you think that is bad enough that the government is doing it, think that in fact the ones doing it is the people of the government, the same ones that spied the conversation between US soldiers and their fiancees/wives when they were at Afganistan, and shared between themselves the hottest parts.
Probably the biggest repository of child porn of the world is in NSA servers for their "investigative" use. And we are speaking about people that have power over you and your family.
1984, Brave New World and Little Brother could be too close to comfort for the authorities, probably Foundation too. And I'd say that a lot of Philip K. Dick tales where the official vision of reality is put in doubt won't make it neither.
Asimov's The Feeling of Power, Charles Stross Accelerando, Vernon Vinge's Rainbow's End and parts of Kim Stanley Robinson's Mars trilogy could give different hints on how the future could develop without too much controversy.
Can't recommend Stephenson's Diamond Age because for me is somewhat the past. It was written before wikipedia and internet, before than even poor children in 3rd world countries had an access to all of it. And those children prefer to access youtube videos and play candy crush over accessing wikipedia.