I hear where you're coming from. One of the first things I heard about Bitcoin was that it was anonymous, untraceable, but once I learned a little about it I realised it's anything but anonymous.
And the thought of one global power embedding a scannable trackable chip in every citizen that we'd use for all transactions doesn't seem that far fetched. Like something from a scifi thriller made real.
Edit: maybe it's my general anaesthetic and pain drugs wearing off as I lay here in hospital after surgery, but yeah, anythings possible right?
They probably implanted that chip while they were anyway doing surgery ...