As the article discusses: > One option is to do nothing, meaning we accept that the general public no longer has access to central bank money. Such a future wo

As the article discusses: > One option is to do nothing, meaning we accept that the general public no longer has access to central bank money. Such a future would imply a changed scope for the public sector. The payment market would have to be regulated and supervised in new ways to meet fulfil the objective to have a safe, efficient and inclusive payment market. > A second alternative is to issue central bank money in a digital form, as a complement to cash and the money held in bank accounts.