CBDC will centralize the power to the central authority. They can decide how you can spend money, how much you can save, or if you don't spend your money for a specific period of time, it will disappear. When everything will be on the same ledger, they can see exactly what you are doing. They can reverse the transaction and take money away from any account. Maybe you think this is good, right? They can stop criminals and terror financing. They can stop fraud and the Ponzi scheme.
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