[freetanga]

You can always keep your FIAT in a safe box at home? Or rent a box in, you know, a Bank?

Why do you want an organization to keep your money if that’s an issue for you?

Banks cost a lot to run. They make money loaning money. If you can afford it, open a Swiss or Lux account in a private Bank (private as in high end clients). Expect to pay through the nose in fees unless you give them 3-4M euros. They won’t loan your money out.

[hypomanic]

I don't want to manage physical money, and would prefer to not pay any fees.

Crypto is perfect for this in a of ways, but has the downside of price volatility.

Stablecoins like USDC have some of these advantages, but huge downside in having to trust an org to back the coin and manage that. A CBDC would be like a stablecoin without any of that risk.