Im not a fan of no identifiers. Sure simplex is secure with it but I would like to see something like simplex that uses 24 word seed phrases to generste millions of unique identifiers the user can easily backup and restore from a piece of paper and not from a digital backup file.
Goldback works with the state governments to ensure legal protection from the feds. Hense why they only issue goldback in gold friendly states.
They are expensive to make since they could be almost double over spot, but it is the best solution currently for fractional gold in the form of a usuable currency. Adoption seems to be picking up, but slowly like bitcoin adoption was in the early 2010s.