i agree with the below definitions and this is why the CBDC is now here:

"It’s a digital currency issued by a central bank" --> the dollar is a liability of the US (fed) central bank

"Like paper currency, it represents a liability of the central bank"-> dollar is a liability of the Fed

"FedNow is just a service the Fed will be paid for" --> CBDC requires instant settlement and this the function of FedNow. The dollar (a CBDC) now runs on FedNow

"Also like paper currency, it’s a direct relationship between currency holders and the central bank" --> as seen in the last few weeks the Fed guarantees all bank deposits and so all deposit holders now have a direct relationship with the Fed even if it seems like it is a relationship with their bank

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