I warmly recommend anybody who didn't use GNU Taler yet to do so right now, for free, in minutes :
GNU Taler provides a well done demonstration https://demo.taler.net/ that one can try right here in the browser, going from a virtual bank to their wallet and buying items in "KUDOS". It does address quite a few points raised in different discussions here.
And here is transfer from my Web based wallet to my mobile wallet, again with the testing currency :