Monero is the only privacy digital cash equivalent I’m aware of. There are a limited number of vendors who will accept it, and any of your friends who you can convince to take monero will also accept it

https://kycnot.me/?t=service

Here’s a list of known services that accept it. Things like VPNs, web hosting, email hosting, game hosting, internet services basically

Any of the other payment systems, the bank systems like zelle, PayPal, etc … They all have the problem of introducing a third party into your transactions. Who will then almost certainly sell your data