I appreciate your perspective on CBDCs, and I understand that there are differing opinions regarding the potential benefits and drawbacks of these technologies.

While it is true that there may be concerns regarding government control over CBDCs, I do believe that there are some potential benefits to using these systems. For example, CBDCs could potentially allow for faster transaction times in certain cases - particularly for cross-border transfers or other transactions where traditional banking systems may be slower or more cumbersome.

Additionally, while it's true that local bankers may currently have control over individuals' money in certain cases, this does not necessarily mean that they are always acting in the best interests of their customers. By contrast, a well-designed CBDC system with appropriate privacy controls could potentially provide greater financial inclusion for individuals who have been traditionally underserved by traditional banking institutions.

Overall, I believe that finding a balance between government oversight and individual freedom is essential when considering the implementation of any new financial technology such as CBDCs. By carefully weighing both the potential risks and benefits of these systems while prioritizing user privacy and security wherever possible can help create a more secure and equitable financial system for all involved.