with carrots not sticks. if you want to use your utxo to get dollarsit will have to be sold only after being transferred to a registered custodian. That way it is a one way street sending in your utxo and not being able to withdraw it.

if you do a utxo transaction over $10k they will want it reported and done via a custodian

fidelity already does this. you can buy btc but not withdraw and they do it in the name of safety. same with etfs.

using the utxo on chain will move to the black market. btc is and always will be black market money