[iamben]

"custodians like banks" - so a bank then? Until she (eventually) gets all the same protections and benefits she already has from 'regular money' what reason would she (and many others) have to start using 'digital money' instead?

[ajkdhcb2]

Money that central banks can just print out of thin air with one click is absurd and doesn't even make sense.

The banks can give her those same protections and she will be the last to adopt it. She will hardly notice and just tap her card/phone like always