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?
Ok. I don't think your ideas make sense. Or you are yet incomplete on the processing.
For example say I have cash and you want it. So you want to give me cbdc.
Now this point of transfer is on record. You giving me credits.
Like taxes this is auditable and points to me. What reason do I provide for accepting your credits? This is going to be added to my income and will weigh on my own operations in cbdc. This will come at a cost and would offset any benefit.
If I am on record continually receiving credits for services or goods I would them be taxed and manipulated based on that.
The more often I perform this exchange the more attention I will draw.
Basically in all transactions at least one person is fully tracked and auditable. This is the problem. To move in and out of cbdc requires verifiable links.
This non existent imaginary service is not as simple as you are making out. It is an extreme point of weakness that relies on illogical operations by the system that is ensuring compliance.
In a human compliance system sure. But this is fully automated digital system of surveillance. Something tells me this loophole is more than unreliable.
The idea of creating an outside currency defeats the system and cannot interplay. Which implies there is no way to get back to cbdc. Without a link back to cbdc you are extracting continually and that won't work either.
How is that different from bank account receiving money from many other bank accounts as payments for some service? They also perfectly draw attention, taxed and whatever. But behind payments for some innocent service you could easily find crypto exchange, drug dealer, black goldseller or whatever.
I still don't get how that will suddenly become completely different with CBDC.
Blockchain is not some fucking magic, it is just a way to store data, nothing more. Different from the regular database in implementation, but absolutely same from the point of storing data. Data determine what is stored, not the way of storing. It is like database where you can't change data if you don't have access to all private keys that ever used to add records. In case of CBDC government/CB is the only owner of the private keys ised to sign blocks, so even from the side of changing stored data such blockchain is no different from database. Governement/CentralBank could always rebuild all blockchain from the beginning with replaced data.
There are tons of such imaginary services around. Many are even just plain swindlers, like different consulting agencies, charities, funds and so on, but they are perfectly exist for decades without any problems. As for those who are not just swindlers, what they really do behnd and what is the real purpose of payments to them one could only guess.
Since many of such imaginary services perfectly exist right now and for a long time, I assume that there is nothing complex in creating such service.
Well. Still not on the same page here yet.
Like your references of how it works currently all example from complex systems that do not really relate to normal operations.
And what I mean there is that to be forced to use such systems to attempt to hide your transactions demands a level of complexity far beyond going to a bank machine so trying to downplay the change as not a big deal. I disagree.
Most people are not setup to use such configurations and likely won't.
Implying that with cbdc you either use it for your transactions or you are illegal and this will be the goal
If machines, suddenly, for whatever reason will not have a cash in them, level of complexity of card withdrawal will rise a lot. In Russia that was not rare thing in 90s - you had to know somebody from the bank who will tell you when and what ATM will be filled with cash. Level of complexity is exactly the same as with underground CBDC excahnge.
Most people will gladly play that game with CBDC, Social Credit and whatever shit they tell them is cool today.
And most people do not discuss the threats of CBDC as we do.
So, it is not about most people. It is about us. And I don't see how CBDC will be different from current card/bank accounts for us.