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I suggest to consider who need CBDC: the Central Banks, in general banks between them. NOT Citizens. Why? Simply: money in a SANE ECONOMY must be a PUBLIC, not private, unit of measure of almost all substrates. The private model is a classic scam, a VERY classic and well known but curiously for some psychological reasons still working today, being them the substrate owned by someone those can steer the society with the concept of debt. In case of revolts/wars etc controlling TLCs means also controlling economy in a cash-less society, similarly means controlling few services that run a multitude of crappy proprietary devices needed to exchange moneys against a product or for a service. Democracy need the opposite: a common symbolic unit of measure anybody want to ease economic exchange BUT something NO ONE BUT THE PUBLIC can control. Not only directly (in regulatory terms) but also indirectly (i.e. in infra terms, tech terms etc). So the actual evolution IMVHO, without proofs, but with enough clues, original cryptos seems to be more a fintech/BigOfIT effort to substitute themselves to classic banking systems [1] probably not worked as expected and corrected by dividing the cake with classical banking systems. The target is declared by various "supra-nationals" institutions like the WEF in it's 2030 agenda, that SOME call nazi-international or the evolution of classic nazism and socialism toward a more effective way of ruling the masses. The target? A total economical control that led to a total control of the society, apparently absent: you feel to be free, just need to earn enough, without noticing that earning means fulfilling some desires, who are NOT emerged by a network of people interactions, individual agenda's, desires etc, or the classic so called "free market", but you are not to the point you can't live if not comply at least enough. The purpose is the idea of crafting a human evolution with a human selection instead of natural one. The earliest form of this idea I found was in a book from Clinton Roosevelt The Science Of Government, Founded On Natural Law in the 1841. He was one of the scammers of the NY bank before the FED, to read the scam itemized at the end of an historic scammer letter, at the end of the page https://www.heritage-history.com/index.php?c=read&author=car... So? Well. In MERE economical terms a sane economy need a free currency, an artificial unit of measure controlled by the People themselves through a State. A sane society need to have spread culture, knowledge and DESIRE to evolve. Planned evolution works very well on paper, but fall short thereafter. [1] see the Geneva Report 2019 https://voxeu.org/content/banking-disrupted-financial-interm... |