We already have a digital currency, you just have not noticed yet and it's harder for them to "take it" from you since you can get physical notes for it still.
We've had digital currency since computers entered the banking industry. Computers combined with fractional reserve banking made most money (((virtual))) in the banking sphere. It took debit cards to come around to introduce this to the common people. Now we're nearly entirely digital in our money transactions, but physical cash is still available to facilitate private transactions. We will lose that soon enough though. This is part of why I have never once trusted (((crypto))).