I think you’re wrong. The credit card system’s days are numbered. In 5 years I think digital wallets will be common in the US, and it won’t be because of anything the government did except get out of the way.
Credit cards these days are pretty much usable as digital only; all of mine are addable to Apple or Google Pay, and usable at pretty much any contactless pay terminal.
If they go away it's because their credit product will be replaced by BNPLs, and transactions with trustworthy stores will move to FedNow to avoid that 3%ish interchange fee.