That’s a reasonable response, but the other guy’s concerns are absolutely not meritless. Tech platforms demonstrating and offering up these kinds of currencies or tokens do explicitly talk about ideas such as limiting certain currencies from being spent on certain things, or enabling/disabling from a central authority.
China is already rolling out this type of currency albeit with limited success, and while I haven’t heard anything about the e-CNY being tied to their social credit system, or punishments being inflicted in the shape of limiting access to funds, it’s absolutely a possible option.
Steal this.