The simple fact is that regardless if you take it, they will continue to push it out. I would take what they give and add that as fuel to the fire for hard assets that can contribute to barter or accumulation of more crypto. The system is burning itself down so why not briefly warm yourself by the fire if not doing so has no benefit to you? You can't say the percentage of people who will stick to a hard no with the times to come is enough to get them to about-face on CBDCs.