Yes, but the government is notoriously inefficient and ineffective.

Bitcoin was started right under their noses (and I'm not just referring to the U.S government here, but all national governments), and it continues to operate all across the globe. It's kind of what makes it so interesting, you can't really kill it, it's like a good financial virus.

I hate to break it to you, but the infrastructure of payment processing and business has already been upended by Bitcoin alone. It's only a matter of time before we see layer-2 solutions like the one OP mentioned.

Bitcoin might not be the best blockchain to target for small-scale financial transactions like delivery apps, but you catch my drift. Just about any blockchain would do in this scenario.