My take would be that commercial banks are gradually disintermediated. So, we don't all immediately have accounts directly issued by the central bank, but perhaps access via products issued by commercial banks at first.
If this happens, I'd say it's a decent bet that the end goal would be for everyone to have direct CBDC accounts with the central bank, perhaps on the premise of financial inclusion for everyone.
Once commercial banks lose their status, there's nothing between the customer and the central bank issuing and, most important, programming, the currency. They can then do what they want (link access, rates, privileges, to your social credit score).
Like I say, I'm not overly concerned either, but I think this is the gist of most people's fears.