Nothing I would love more than to eat my words and be wrong but I honestly cannot see a country taking on digital currency at this point in time.
this is easier than you might think.
a. most money is electric already ... so nothing changes / just a debit card like before
b. real paper money can be printed (each note redeemable for the crypto)
c.
the only difference is sound currency and sane monetary system (fixed units & at fixed rate of inflation unless algo is forked by .gov) and if the average person wants to be a bank they can use QTs (no different than stashing bank notes under a matress).
And why exactly would a government want this?
edit: with exactly I mean for example this (and pls excuse any misuse of terms, I was never too interested in the technical aspects of crypto).
If you want to fork a coin you need the acceptance of the users/miners, right? How can the government be sure of that acceptance? If the government cant, it would be completely insane to switch to a crypto as national currency - from the government's viewpoint.