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?
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.