There is that, but they also want to be able to fine you on the spot for whatever offense you committed. There is also the risk that they can devalue your bank account to prevent you from saving anything.
They can impose negative interest rates, which would force you to spend your money or lose it. The government can use it as. A throttle on a troubled economy, if I understand it correctly.
Of course, there are people who say the government would never do this.
If I could post a graphic from where I am right now, I might have the graphic of Dr. Evil saying “Riiiight…”