Against the background of the news that in the Indian markets it is already possible to pay for food in electronic rupees, I again wondered what the CBDC would give us?

But most of all, I wonder why a CBDC is needed if you can just remove cash from circulation and leave payments with a card?

We are told about transparency, and that it is easier than opening a bank account.
But wait, in order to have an electronic wallet, you must have smartphones. today, not everyone can afford a smartphone, and not every elderly person can use it.

The fight against corruption is just a myth.

Increasing the speed of transactions in general does not matter for an ordinary citizen.

There remains only more careful monitoring of the population.

What do you think?