How is that one private? It is coupled to your bank account so your purchases can be nicely tracked, and to add insult, you also need to use your bank's crappy online banking app

Blik is explicitly not private in that sense, you have to trust your bank to use it. Not sure what they meant by that. However if your bank has a crappy online banking app and you live in Poland then you should probably change bank. The bank apps I've used as a foreigner living in Poland have all been essentially flawless (even using the English language versions).

Do you really suppose anyone in the EU will allow you to maka any payments that are completely anonymous/untraceable? I do trust my bank, if I wouldn't trust them I would find another one. I don't see what problem taler is supposed to solve.

Money streams would not be completely anonymous. Only the end user would be anonymous. And, the competition are not necessarily only banks, but shady, non-EU middlemen such as Visa, MasterCard, PayPal etc. where it is well-known that they sell your data wherever.

Each country's banks/tech firms have invented their own way that is either tied to one app or the banking system/bank account. It is not anonymous for the buyer, and it always requires a central server for every transaction. From what I gather GNU taler solves those problems.