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?
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.
Why do you think they can't ban cash without CBDC but somehow suddenly can with CBDC? I still can't find any reason for such conclusion.
In USSR exchanging rouble to a dollar was a crime with long jail time. But there was no problems to do that if you need. That's practice, not some assumptions. Why do you think they will succeed in banning underground exchanges if even USSR authorities was unable to do that?
Ok well. Not being able to ban cash previously is easy. There is no replacement. So you would not see it done based on that.
As you eluded to. When USSR wanted to stop people from using usd they couldn't. Because there were ways to spend the usd. And people put value in it.
This is going to be different. It's like comparing apples to bicycles.
With 0 ways to convert your cash back into credits. Suggests any removal from the cbdc will be a permanent loss.
So who will eat that loss each time an exchange is made? What is the mechanism with no audit to reveal how exchange has been occurring?
How would one go on record as spending their cbdc into the mystery that would surely trigger an audit?