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CBDC won't be CBDC at all.
It will just be USD because why would they make a new currency?
There is no reason to change the current infrastructure.
Retail banks are not going to give up all their power and use someone else's money.
Retail banks have all the accounts.
You can't just say things and expect them to happen in the background with no plan.
This is what everyone is doing, which is the entire point of this post.