I don't necessarily have to wait, it's more a generic advice.

Can you please expand though, as I'm curious, why you won't wait and you plan to use it?

Can you also comment on my follow up question, namely what are the limitations at the moment, both technically and legally? Basically does not living in Switzerland make a difference anyway for users?

But that’s better than cash, where you can’t make a backup

Depends on threat model, eg police will seize phones/computers/devices all the time but will only seize money if they think it's related to a crime. As long as you're not being arrested for a money-related charge then your cash would most likely be untouched but your devices will be lost.

If the cops steal my USB drive with my encrypted bitcoin wallet, I just restore it from the backup and they've stolen nothing.

In the US, cops steal cash all the time. Sometimes tbeh steal it personally, but they have an incentive to "legitimately" steal it to add it to their budget. Its fucked.

Customers will use traditional money transfers to send money to a digital Exchange and in return receive (anonymized) digital cash. Customers can use this digital cash to anonymously pay Merchants. Merchants can redeem the digital cash for traditional money at the digital Exchange. As Merchants are not anonymous, they can be taxed, enabling income or sales taxes to be withheld by the state while providing anonymity for Customers.

The digital exchange seems to be centralised.

Not really. Zelle seems to just be US banks implementing the payment and bank-to-bank transfer systems that other countries already have. Except, at least for Australia with our 'Osko' system it has the involvement of our Reserve Bank and is mandated to be supported universally, whereas Zelle is completely private. The traditional lack of that bank-to-bank transfer ability is why apps like Venmo and Cash App have been popular in the US, which I think explains why Zelle has had an app until last month, as consumers expect that, even though it's owned by the major US banks.

Taler on the other hand seems to be "What if crypto but with fiat currency and also the recipients aren't anonymous".

The first claim is the most incorrect, as bitcoin is a single permanent public ledger where all transactions are verifiable by anyone, and on/off ramps are almost 100% regulated. I would argue that it's actually the hardest currency with which to evade taxes, though in the early days where onramps didn't do KYC and government wasn't as aware of it, that would have been more true. Physical fiat or Monero (A crypto that anonymizes sender and receiver) are probably the easiest currencies with which to avoid taxes.

The third claim is conditionally incorrect. Bitcoin transactions all have a clear sender and receiver party. Though I figure maybe you refer to some kind of regulatory tax assignment, in which case that would happen outside of the protocol and is up to the local government to decide.

The second claim is just kind of ... Hard to parse? I'm not sure what you mean by centralized exchanges. Exchanges of any type are almost always private entities that are themselves a centralized organization, and most currency exchanges process both fiat and crypto. Guessing I just need more context for this one.

Anyway, hopefully that had some new knowledge.

The ledger being public doesn't prevent illicit use, like darknet markets. They use mixers or onion routed payments.

In the context of this thread, the centralized exchange is Taler Operations AG.

Taler offers anonymity for consumers but not for merchants. Every transaction everywhere - including Taler - has a sender and receiver.

Sorry if this is rude, but you are spreading misinformation, not knowledge.

Excuse me but what did I write that's misinformation? I wasn't describing Taler, I was describing bitcoin / crypto. Nothing I said was incorrect, and I was correcting your own misinformation (Mind you it's not your fault that you were misinformed and I don't think you were doing so intentionally, it's easy to pick up misinformation about unpopular subjects because people are more likely to take facts at face value).

Regarding mixers, I have a friend in US gov that says they're not immune to targeted investigation. You can hide in them only until you catch institutional attention, wherein they have a big enough database of inputs and outputs to simply know who you are. However apparently Monero is truly a pain in their ass.

And saying "a ledger is public doesn't protect it from illicit use" is kind of silly seeing as you can use any currency for illicit use if you want. What matters is if you can be caught, and its extremely easy to be caught doing something illicit if you do it with bitcoin as the transaction history is right there in front of the world.