It's all real already since many years, but with cash.
Ever tried to randomly get 10k from your bank account in cash? Try & fail in some cases, like e. g. if you don't tell them what it is for.
‚In the report, “Expected Macroeconomic Effects of Issuing a Retail CBDC,” the central bank stated that an “important design consideration is the possibility of setting limits on users’ holdings and/or spending of CBDC.
These limits could safeguard users from cyberattacks targeting their balances or transactions and reduce the demand for retail #CBDC as store of value in competition with bank accounts.”‘
https://www.pymnts.com/cbdc/2023/retail-cbdcs-and-the-limits-of-spending-limits/
Discussion
Survilance is real but if you tell your bank it's for a car or to rebuild part of your house they don't ask more questions usually... and they won't recheck if what you said is true.
It’s perverse but these restrictions are probably necessary to push BTC adoption — one thing to explain it to someone, quite another for them to wonder where you got all that purchasing power outside the system.