Crypto and CBDC's aren't necessarily disruptive - the regulator seems to wait patiently to see where the tech is heading, then they'll regulate the shit out of crypto and then either leave all the true decentralized coins to dry out of the economical activity or make a mandatory software for the people to use which will track and report their activity (which coins were used where and more importantly exchanged with out), so instead of the users doing everything centrally (custodially), they'll be compelled to use exactly the old monetary system except it'll be a 3rd party providing the actual solution. The Man and you'll have cheaper decentralized ( fault free) monetary system and financial network without any real new freedoms, similarly to how your cars are operated by you but to drive and use the roads you have to follow the regulations dictated to you or you'll lose your licensing...