No need to imagine, and no need of CBDCs for this to happen. A mild version you can come see for yourself now in some EU countries:
- by law salaries must be deposited to bank accounts, cannot be paid in cash
- banks apply limits on how much each person can cash out or transfer to other accounts, no matter if your own or smb else's. Limits are subjective based on each person's income. Bank applies them unilaterally, the account holder has no say in it. Client can apply for temporary increase of the limit, but must provide good reasoning, and the origins of his funds will be scrupulously doublechecked by the bank before they approve.
- this happened since covid, and since then banks replaced all their consultants with ultra low IQ brainwashed idiots, so do not expect to find reason there.
Thank god for Binance card, Revolut, and banks in other EU countries that retain more reasonable banks still.
For a full blown version of this utopia, also no need to look into the future and CBDCs. Those who had a chance to see Soviet Union from the inside know what I am talking about. That absolute level of control was achieved with no CBDCs anywhere on the horizon. In Soviet Union thank god for corruption. It was the only escape and it worked because individuals everywhere were not brainwashed idiots, nobody believed in communism, party nor Soviet Union. Unlike banksters today.