GNU Taler provides a backdoor for spying. You cannot create an open system in line with FOSS principles and be compliant with laws that mandate centralized control. That's why this project began with an architecture that prefaces dependence on the backdoor key holders, and is now going even more pronouncedly in the direction of asymmetrical power relationships, by becoming an entirely centralized bank. This is the only way it can remain compliant with the laws in question.

If you want to maintain FOSS principles and provide people with monetary technology, you need to be noncompliant — whether in letter or just in spirit — with the law in most of the world, where the law limits people's access to financial activity, in order to fulfil a public policy of empowering gatekeepers.