Yes, the handful of people who understand how our banking and currency system works but aren't in a position to suckle at its teat.
(2) meanwhile I can buy things with one click using dollars.
But try transferring dollars electronically, or even just from one of your own accounts to another in a different bank.
(3) tax evasion, drug dealing and money laundering are not things that society generally wants to facilitate
Neither does society generally want to facilitate government's abuse and debasement of its currency in attempt to cover up its willful blindness to widespread financial fraud and malfeasance. Pick your poison.