I either don't agree with your point, or don't understand it. Why is it a bad thing (and who is it bad for) to make money hard to track? I'm also pretty sure payment is difficult for far more reasons than just tracking.
I hate to be so flippant, but do you not care where your money is? If money is hard to track, it's hard to tell who has been paid. Money laundering, for example, would be easier if money were harder to track. So... I can't imagine that making money laundering easier, in general, would be a good thing.
You're saying that everyone should have difficulties with payments so that the government can track criminals. By this logic, why have payment services at all? Then money laundering would be entirely impossible.