So you’re betting your privacy on government inefficiency. You do you.

A CBDC would give the government more control over your money. They have a lot of control now, but there is at least a middle man that the government has to compel to comply. With a CBDC, the government would be able to allow/disallow any transaction. Right now, they would have to convince Paypal or Zelle to invalidate a transaction. The on/off ramps to Monero and Bitcoin are the only locations with which the government can exert their power over those currencies. While Bitcoin is not private, it can be a good tool for privacy if used correctly. Cash, however, is still the most private. So I’ll just keep slipping quarters in the keyboard to pay for my online purchases.