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abc_xyz ago

Yup Ripple is the top contender for the IMF currency and has been since 2013. They merely needed to flesh it out more as a fully controllable protocol to international and local banks alike.

To add to your hunch, adoption will not likely be, "Oh so annoying, why must our government do this to us", rather:

If you create a Ripple wallet, you will receive your universal basic income, which is where many nations are headed, and/or medical insurance services in one portal.

Helicopter money is ridiculous when you consider a controlled digital ledger and associated currency is fully readable by the government tax agencies and banks.

This way, most people would be a bit daft to not register.