[RandomLensman]

Most points could already apply in current payments and banking systems with only a few big players (basically security, privacy).

The economic nightmare is maybe a degree up, but not really more. Generally speaking, it also tends not to be just "the government" doing stuff that no-one wants - there will be people liking whatever the policy is.

The only real new point is that CDBCs with any kind of programming would effectively be vouchers, not money (ie your first point).