Yes, above all in the case of countries with no strong own credit card / ewallet options. Europe for example has very few ewallet providers and no own international credit card network at all. So the European Central Bank justifies their CBDC with the need to avoid to have to pay a fee to US credit card companies and networks for every payment, which is a continuous flow of money. However, I think it's reasonable to be skeptic against CBDCs from a data/privacy standpoint. Even if a Central Bank is democratically controlled, with the excuse of "providing more security", data protection measures could be weakened more and more and the CBDCs then become a privacy nightmare. Because while bank based payments also are trackable, the authorities have to request these data in an additional step, while in the CBDC case both the provider and law enforcement are both "public". But why should they? Why are people using Sxmbthu2? Most are using it for speculation and trading due to their volatility, or as an "saving asset" to protect against inflation. CBDCs cannot provide neither of that. They are in much aspects not better than PayPal-style solutions. The only use case I can think of is Sxmbthu2. But I think this is not really a massive public. And the CBDC would need to provide the smart contracting structures to be used for Sxmbthu2. I think current CBDCs do not offer that, although some probably are planning it. It is of course possible that if a CBDC offers complex smart contracting functionality, that then you could create things like meme tokens based on them. But even if some people think that might be a pity if the "Sxmbthu2" sector loses this kind of market to CBDCs, I expect heavy regulation and thus much less appeal for CBDC-based tokens than for e.g. Sxmbthu2-based tokens.
Yes, above all in the case of countries with no strong own credit card / ewallet options. Europe for example has very few ewallet providers and no own international credit card network at all. So the European Central Bank justifies their CBDC with the need to avoid to have to pay a fee to US credit card companies and networks for every payment, which is a continuous flow of money. However, I think it's reasonable to be skeptic against CBDCs from a data/privacy standpoint. Even if a Central Bank is democratically controlled, with the excuse of "providing more security", data protection measures could be weakened more and more and the CBDCs then become a privacy nightmare. Because while bank based payments also are trackable, the authorities have to request these data in an additional step, while in the CBDC case both the provider and law enforcement are both "public". But why should they? Why are people using Sxmbthu2? Most are using it for speculation and trading due to their volatility, or as an "saving asset" to protect against inflation. CBDCs cannot provide neither of that. They are in much aspects not better than PayPal-style solutions. The only use case I can think of is Sxmbthu2. But I think this is not really a massive public. And the CBDC would need to provide the smart contracting structures to be used for Sxmbthu2. I think current CBDCs do not offer that, although some probably are planning it. It is of course possible that if a CBDC offers complex smart contracting functionality, that then you could create things like meme tokens based on them. But even if some people think that might be a pity if the "Sxmbthu2" sector loses this kind of market to CBDCs, I expect heavy regulation and thus much less appeal for CBDC-based tokens than for e.g. Sxmbthu2-based tokens.

Yes, above all in the case of countries with no strong own credit card / ewallet options. Europe for example has very few ewallet providers and no own international credit card network at all. So the European Central Bank justifies their CBDC with the need to avoid to have to pay a fee to US credit card companies and networks for every payment, which is a continuous flow of money. However, I think it's reasonable to be skeptic against CBDCs from a data/privacy standpoint. Even if a Central Bank is democratically controlled, with the excuse of "providing more security", data protection measures could be weakened more and more and the CBDCs then become a privacy nightmare. Because while bank based payments also are trackable, the authorities have to request these data in an additional step, while in the CBDC case both the provider and law enforcement are both "public". But why should they? Why are people using Sxmbthu2? Most are using it for speculation and trading due to their volatility, or as an "saving asset" to protect against inflation. CBDCs cannot provide neither of that. They are in much aspects not better than PayPal-style solutions. The only use case I can think of is Sxmbthu2. But I think this is not really a massive public. And the CBDC would need to provide the smart contracting structures to be used for Sxmbthu2. I think current CBDCs do not offer that, although some probably are planning it. It is of course possible that if a CBDC offers complex smart contracting functionality, that then you could create things like meme tokens based on them. But even if some people think that might be a pity if the "Sxmbthu2" sector loses this kind of market to CBDCs, I expect heavy regulation and thus much less appeal for CBDC-based tokens than for e.g. Sxmbthu2-based tokens.

Yes, above all in the case of countries with no strong own credit card / ewallet options. Europe for example has very few ewallet providers and no own international credit card network at all. So the European Central Bank justifies their CBDC with the need to avoid to have to pay a fee to US credit card companies and networks for every payment, which is a continuous flow of money. However, I think it's reasonable to be skeptic against CBDCs from a data/privacy standpoint. Even if a Central Bank is democratically controlled, with the excuse of "providing more security", data protection measures could be weakened more and more and the CBDCs then become a privacy nightmare. Because while bank based payments also are trackable, the authorities have to request these data in an additional step, while in the CBDC case both the provider and law enforcement are both "public". But why should they? Why are people using Sxmbthu2? Most are using it for speculation and trading due to their volatility, or as an "saving asset" to protect against inflation. CBDCs cannot provide neither of that. They are in much aspects not better than PayPal-style solutions. The only use case I can think of is Sxmbthu2. But I think this is not really a massive public. And the CBDC would need to provide the smart contracting structures to be used for Sxmbthu2. I think current CBDCs do not offer that, although some probably are planning it. It is of course possible that if a CBDC offers complex smart contracting functionality, that then you could create things like meme tokens based on them. But even if some people think that might be a pity if the "Sxmbthu2" sector loses this kind of market to CBDCs, I expect heavy regulation and thus much less appeal for CBDC-based tokens than for e.g. Sxmbthu2-based tokens.