So, the big discrepancy between why people are concerned and your questions has to do with the use of CBDC, rather than the technology. The technology is perfectly fine, the idea of a distributed ledger is interesting and can solve some problems, while creating some others, etc.

The issue is that what you're describing is a credit card, rather than a currency. So, for example, I could charge things on my credit card if I am doing things that I am OK with corporations knowing about. If not, I can pay somebody in cash. For example, if I didn't want somebody to know I went to the strip club, I could just pay cash, or liquor, cigarettes, you name it. Or if I am just very privacy minded and I don't want people to know about any of my transactions, I can just pay cash for everything. I can also write checks if I trust my bank to a certain degree and the bank of the person that I am writing them to. This might provide a higher degree of privacy from certain corporations when compared to credit cards, etc. basically I'm in control over my level of privacy and over my money (if I don't trust the bank to keep my money safe, I can withdraw it and if I don't trust that my paper currency is going to be safe, then I can convert it to physical gold or silver without anybody knowing, etc.).

Once a CBDC replaces a currency, The economic system using that currency becomes something of a panopticon. Worse than that, if the government or other controllers of this currency decide to take your money, there's nothing you can do to preempt that risk or prepare for it. They will just take it. Right now, you can go to the bank and withdraw an extra $10,000 and keep it in a safe, if you're worried about some "digital covid" hack or other systemic risks. Once everybody is using a centrally controlled digital currency like this, there will be no privacy ever again. Everything you do that is done with the money and will be known directly by the government. It's no longer that you'll have to worry about Amazon reporting you as a prepper to the government; the government will see everything you do and when they decide that "wypeepo is systemically racising blax", then they'll just take 10% of your money and give it to black people, or gays, or whatever other group of people suits their needs.

More importantly, regardless of whether or not you believe that the government or any other entity would ever do any of these things, simply giving them the ability to is no different than turning all your guns in and trusting the government will never do anything to hurt you.

So, the big discrepancy between white people are concerned and your questions has to do with the use of CBDC, rather than the technology. The technology is perfectly fine, the idea of a distributed ledger is interesting and can solve some problems, while creating some others, etc.

The issue is that what you're describing is a credit card, rather than a currency. So, for example, I could charge things on my credit card if I am doing things that I am OK with corporations knowing about. If not, I can pay somebody in cash. For example, if I didn't want somebody to know I went to the strip club, I could just pay cash, or liquor, cigarettes, you name it. Or if I am just very privacy minded and I don't want people to know about any of my transactions, I can just pay cash for everything. I can also write checks if I trust my bank to a certain degree and the bank of the person that I am writing them to. This might provide a higher degree of privacy from certain corporations when compared to credit cards, etc. basically I'm in control over my level of privacy and over my money (if I don't trust the bank to keep my money safe, I can withdraw it and if I don't trust that my paper currency is going to be safe, then I can convert it to physical gold or silver without anybody knowing, etc.).

Once a CBDC replaces a currency, The economic system using that currency becomes something of a panopticon. Worse than that, if the government or other controllers of this currency decide to take your money, there's nothing you can do to preempt that risk or prepare for it. They will just take it. Right now, you can go to the bank and withdraw an extra $10,000 and keep it in a safe, if you're worried about some "digital covid" hack or other systemic risks. Once everybody is using a centrally controlled digital currency like this, there will be no privacy ever again. Everything you do that is done with the money and will be known directly by the government. It's no longer that you'll have to worry about Amazon reporting you as a prepper to the government; the government will see everything you do and when they decide that "wypeepo is systemically racising blax", then they'll just take 10% of your money and give it to black people, or gays, or whatever other group of people suits their needs.

More importantly, regardless of whether or not you believe that the government or any other entity would ever do any of these things, simply giving them the ability to is no different than turning all your guns in and trusting the government will never do anything to hurt you.