Do you also make the argument that life will cease to evolve and the Earth itself will die forever? How many times are we going to rehash the same conversation? The count is already higher than a baker's dozen.
People will adapt to the rapidly changing environment just like they always have. CBDC is a huge nothing-burger not even worth paying attention to. I know because I've been paying attention and it's been a complete waste of life. Repackaged enterprise blockchain that's dead on arrival. Pointless.
Humanity has seized the reins of evolution, and you can have it in the palm of your hand and undertake it on your kitchen table today. CRISPR, and better tech, has been released into the wild. The-odin.com will provide classes, consumables, and whole labs at reasonable costs, as well as turnkey experiments to demonstrate how to make your own bespoke species of glow in the dark frogs, yeast for brewing unique beer, or mushrooms suitable for use as building materials, for example.
The Earth will die forever, but long after humanity has moved on to greener pastures.
When we are no longer defenseless, our fortunes forfeit at the whim of oligarchs, and our words able to be spoken without fear of censorship, the problem will not exist, and I will no longer note that no encryption, protocol, or currency has any security whatsoever and every one is utterly dependent on the whim of our overlords to have value.
I cannot fathom how you can expect a currency that facilitates total surveillance and control of your personal wealth by vile banksters to be pointless. Last year I was able to pay my rent 1/2 the months using goodwill, and I have been working on doing that for more than a decade now. It is difficult to limit transactions to people that merit such trust. Almost no one has such facility that hasn't worked so hard at it, and if CBDCs are pushed on them very few could refuse them, because the alternative is to be unable to transact at all.
I do not see any means you have, or propose, that is nominal to surmount this challenge and secure your wealth, so cannot understand how you could call it DOA. Perhaps if you enlightened me how you would secure your wealth in events such as are predictable, I would no longer fear that you, as I have been in the past, would be utterly stripped of your assets and left without anything.
There are ways to prevent that from happening. I'm not just bitching because I like the tappity tap sound of the keyboard. I see no movement, no effort or expense being undertaken to address the problem, and if that is the situation when the imposition of CBDCs are mandated, everyone I know will lose every bit of their financial freedom, and even I will not be able to use the means I have developed because I am dependent on transacting with others that remain vulnerable. Why is there no movement to secure assets of the vulnerable from a threat that has been publicly stated by those with the ability to carry it out?