CBDC is programmable money.
And there is an initiative to have this worldwide.
It is called Mojaloop.
Long term game by Bill and Melinda Gates foundation.
I will, actually, do it in single note in NOSTR way it suck now.
Discussion
Jp morgan coin is already doing all the censorship and surveillance you are afraid of and therefore your argument is ridiculous
I didn't knew, but CBDC should be controlled by the central banks, not by private entities. At least that is what they are selling. Also I haven't seen JP Morgan on the tracker.
Maybe it is for a reason?