Disclaimer: I am fully against any cbdc or any kind of bank that i am forced to use..

That being said:

- Real-time transaction tracking: happening already

- Payment blocking: happening already (in fact, happened to me a couple of times already)

- Automatic tax deductions: Any bank is already mandated to give tax agencies a yearly overview. They are already filled out on your tax forms for you actually.

- Restrictions from cash withdrawal: happening already. Example ABN AMRO: you can withdraw cash up to a maximum of € 17,500 per calendar year. Anything exceeding requires an €5 fee per withdrawal + 0.5% of witdrawn amount.

- Programmable money with expiration dates: This is basically the only new thing that will be added. But they promised they would not add this (but i'm sure this will be broken on the first minor crisis encountered)

All in all for customers not a lot actually changes. To me the main concern is that this gives a new role to a central bank and now it has just become a lot harder to get rid of them because now civilians are direct customers and depend on their existence, while right now they could just be discarded much easier as they fulfill no significant role except for making rules normal banks then have to follow.