Reading all kind of CBDC propaganda and those who are clearly against CBDC I absolutely can't get something real from that stuff.
Every single feature/option/whatever of CBDC could be implemented using current bank card/account system without single problem. Everything, from any restrictions to programming buying power or whatever. Every single thing that somehow connected to CBDC in everything written about it and posed as threat/advantage by whatever side is a question of a few minutes scripting in bank computers over current card/account system.
So, what is the real point of pushing CBDC crap by TPTB? Money laundering? Creatiing a base for some other narrative unknown yet, like kind of cyber threat fearmongering? What else? Anybody?
As I said. Complete surveillance is not possible with cash access.
So black market and other untaxed systems of exchange can exist.
With complete surveillance of your input salary all expenditures are captured. End to end.
This feature does not currently exist.
How many people get salary in cash now? I think most get it to card/bank account. So it is already captured.
CBDC does not prevent black market/exchange and gives no advantage over card/bank account.
No. Who cares about a view on your total inputs. As you say it is already tracked.
Can goto bank machine. Withdraw cash. Spend in unknown ways. This is the what will be taken. This is the last bit of privacy one can currently claim.
With cbdc it will not be possible. Every transaction will be recorded
Can go to moneychanger. Exchange CBDC to cash. Spend in unknown ways.
What's the difference?
I could easily imagine at least several ways how to do that with CBDC. All what will be recorded in CBDC blockchain is that you just paid for some innocent thing or service.
How does that make sense?
So your example of using a side service puts the onus and tracking on them. To exchange for what exactly? The black market currency? Why would they do that? And you end up in a spiral of complex bullshit where you are criminalized out of the gate.
It is all part of a transition. Your ability to hit a money changer for example as your only viable mechanism would be removed in due time.
The design would continually evolve to curtail any undesirable use. This is the issue. It's all a segway.