Step 1 : raise interest rates for the regional banks go under

Step 2 : let the bankrupt regionals be acquired by top 4 banks

Step 3 : develop CBDC rails under the hood, push them through top 4 banks 🏦

they know people will never voluntarily accept a FED issued CBDC so they will take this indirect route

Also, FED was formed by top 4 banks 🏦

my dumb theory on how this may play out.