Thanks for the link, but Kim is way out of his league. Her errors and misreading on the banking issues are too numerous to mention, and hilarious as hell.

There are much better sources. Melissa Ciummei comes to mind.

CBDCs will not (yet anyway) replace ALL commercial money (M2 and beyond), but only the liabilities of the central bank: i.e. physical currency, notes and coins.

And yes, that alone is bad enough, and should be resisted. Use cash.