So, you don't like "central banks", but you still want a centralized party to control the currency? Otherwise, you need blockchain. Blockchain is just a consensus mechanism around data entries. If you want "just a virtual currency", bitcoin is that.

You don’t need a blockchain for that and blockchain wouldn’t solve that issue regardless.

Find a way to do that and you'll do very well. Right now, the only way to do that without trusting a central authority IS with blockchain tech, that's what it was designed for and why it actually became a thing that's stuck around for the past 13 years.

You can't have a trustless, decentralized currency without certain styles of blockchain tech. Otherwise you're just once again trusting a central authority with control of a database containing your balance.

I love seeing delightfully ignorant hot takes.

Always good for laugh.

Isn't that just WoW or Eve Online in-game currency?

Or Amazon gift cards?

There’s Taler: https://taler.net/

A key problem to solve is how to create a reliable source of truth for the currency. If not a traditional bank or ledger built on distributed consensus, then you're into the territory of inventing something new. It's a hard problem but I'd love to see it.

So a database of some sort I suppose...who is going to be the host/arbiter?

Or is there a non-blockchain way to run a currency system that has no central authority?

What would you like to tie the virtual currency to, if anything, and why/not?

I’d buy that for a dollar.