My take would be that commercial banks are gradually disintermediated. So, we don't all immediately have accounts directly issued by the central bank, but perhaps access via products issued by commercial banks at first.
If this happens, I'd say it's a decent bet that the end goal would be for everyone to have direct CBDC accounts with the central bank, perhaps on the premise of financial inclusion for everyone.
Once commercial banks lose their status, there's nothing between the customer and the central bank issuing and, most important, programming, the currency. They can then do what they want (link access, rates, privileges, to your social credit score).
Like I say, I'm not overly concerned either, but I think this is the gist of most people's fears.
I have feeling like people are afraid of lot of things without realizing that those things are already around us, that we already live in that reality. Like, state can, now, without a change, block whoever they want from financial system. They can do it based on whatever...social score or color of hair or whatever crazy thing you can imagine. Right now, no change in currency whatsoever. Just look at China. They have cash and stuff and still they created such crazy ass things and are limiting interaction with the system in so many different crazy ways.
And i just want to be clear as it might get lost in my posts, i do not support CBDC. I just don't think that it will make our lives worse, i think we are already there. I don't see bad things in the future, i see them around us now, i experienced them myself on my own family and my banking which was one of few big reasons why i threw myself into Bitcoin long (in Bitcoin time) time ago.
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