Plebs don't get to decide these things.
For every powerful person that wants a CBDC there are 100 other very powerful people that don't.
The only people who want a CBDC are the ones who control it.
The only way for a technology to usurp the incumbent tech is to be 10x better.
Have you heard this? It's quite true. CBDC isn't even as good as the current system.
It's impossible for it to gain any traction whatsoever.
We shall see, but I understand the reasoning you have now. I hope you are right!
It will be interesting to see how it plays out, but as it stands now, this is my assessment: CBDC is a huge nothing-burger... just like enterprise blockchain. Do you remember how everyone was talking about enterprise blockchain in this exact same way? Now no one talks about it... because it was never a threat to begin with; just like CBDC.