"Digital dollars?" We already have that -- it's called the US Dollar. Only 10% of the USD money supply is in physical paper or coin form. I receive my wages electronically and pay my mortgage, car payment, insurance, student loan, and buy groceries and entertainment without ever touching printed/minted money. And I suspect I'm in the majority on this point.
Digital dollar != a programmable digital dollar. It's like bitcoin, but will all the downsides of the dollar (endlessly inflating) + all the fragility and throughput constraints and centralization risks of ethereum.
