I think, long term, the best solution is something like GNU Taler[1] which is anonymous (for consumers) e-Cash system. It doesn't require cryptocurrencies or anything, it can work with VISA or PayPal just as easily.
And it's auditable, so that governments can still tax businesses (which avoids the fear that governments have around large-scale, automated and fully-anonymous payments).
And it's auditable, so that governments can still tax businesses (which avoids the fear that governments have around large-scale, automated and fully-anonymous payments).
[1]: https://taler.net/en/index.html