Very nice post, thanks. One aspect of CBC's hasn't been addressed yet by most people. The fact that CBDC's would force total transparency upon us.
Banks and others will be able to profile ANYONE with the simple click of a mouse. Your spending habits, your preferred food basically everything any anything you do every day with your money. And Grandma can forget about putting 20$ into an envelope for the grandkids without having paid her dues on it.
CBDC's are bad no matter from which angle we look at them but yes, the ultimate financial control and "money reigns the world and he who controls the money, controls the crowd"
I dont think most banks survive a CBDC. There is really no reason for them. If everyone is handed an account at the Fed, why do they need to go through the commercial banking system.
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To function as intermediate for loans, mortgages and anything else debt related and of course CBDC transactions, cards and co wont be free to use. The Central Bank is only interesting in controlling the money and the interest rates. They don't want to deal with "the crowd"