I guess my conclusion is that your model, even if amended over time and so on, I do not see that it is proven to work properly. And atm, govt money probably works best short term.
Slowly, step by step they are likely going to fleece us all, but short term, their system is far more practical.
Hm, the tide seems to go toward only electronic payment. Not "no way to pay". The masses I think will largely accept this, whether called CBDC or not. Are you sure enough people
Decades of work propping up technological failures for psychopaths who never learn has given insight into this new world order plan. Sudden outages and mischief will occur, regionally.
When they do there will be serious longings for good old cash, which only mom&pop shops will be willing to trade. The trouble at that point is there will be no cash to trade.
will want your alternative to that system? I am aware of problems with electronic payments, but I use them almost exclusively. Most others seem totally uninterested in their problems.