It's about who controls the pulleys and levers.
If any of those things you listed were a digital currency (debit card definitely is), then yes, they are CBDCs.
The core problem as I see it is control, largely via surveillance. Tether does not control their backing. My bank does not control their backing. CBDCs are already here and derive from control of the backing assets. Want to control Tether, stop selling them notes.
I understand your point but disagree with your assertions regarding Tether. They're pegged to THW same central bank we all are. That being said, hopefully they'll pivot to Bitcoin backed if/when the time comes. It's obvious they're accumulating sats by leveraging fiat fuckery.