There won't be a cbdc. It'll be bitcoin.
And you'll pay the 6% to use it as money for gas and food as you are told.
These entities don't just hold bitcoin, they are scooping up your families share and waiting for the government to give the green "it's money" light while also controlling the factors like inflation that effect how/if others can stack at all.
Another monopoly where they use bitcoins limited supply and their control over people's saving habits to their advantage.
20yrs we'll have the same slave labor system we do today, just with a new name and people clapped for it.