Right! I vomit if I hear th word CBDC 🤮
This is an experiment to get the state back the control for the money issuing.
But implementing the CBDC ks difficult and can destroy the two level banking system.
But yku can worry about that the bank (and the IRS or similar omstitutes can track every coim you spend or get paid)
Si Bitckin Eclsystem is good to het back your autonomy (but I want to get back my privacy too).
But! The Bitcoin Ecosystem itself is not enough for tor this without additional "tools" e.g. VPN (you have to paid for really secure ones) an TOR. For privacy you must have degoogled phone, Linux instead of Windows, do not use Google Play, protonmail or tutanota instead gmail, hotmail, apple mail and so one.
The Monero and zero knowledge systems are good, but the client infra is too "poor" as you mentioned.