Many underestimate how much power #CBDCs will have on the low-income averages families in both US and EU.

People will receive a certain amount of tokens, with the power to make them spendable only on certain products, to track them much better than they already do, to set a time limits, shrink and expand the number of them in your account depending on what monetary policy or whatever the Central Banks want.

And that is the main point.. slowly eliminating the small banks, one by one, with people moving accounts to the "to big to fail" ones, until in the end everyone will just have a check account at the FED or the ECB, connected with your digital passport and IDwoth all your health data and how you behave, because if you don't act good.. less point on the social score. Pura Vida?