“Not only would this CBDC model centralize Americans’ financial information, leaving it vulnerable to attack, but it could also be used as a surveillance tool that Americans should never tolerate from their own government.”
I don't understand how CBDC would do either. I was under the impression that a CBDC would be an instant interbank transfer mechanism, so it would be replacing ACH, not bank accounts or cash. If that's correct, then a CBDC would give the government exactly the same visibility into money flow and financial information as it currently has, given that the Fed runs ACH and the central banking system.
(I have not read the specs so you should verify) My impression is that you no longer need a bank account. That is one of the selling points for addressing access to money for those who don't/can't have bank accounts.