If regular citizens could get an account with the central bank, with a specified protocol and digital currency, there could be several providers in open competi

If regular citizens could get an account with the central bank, with a specified protocol and digital currency, there could be several providers in open competition using this protocol. Switching banks would become like switching email clients. They could expose new functionality over an existing prococol. But it would also introduce new problems, malware banks could proliferate just like malware flashlight apps. These comments threads always attracts comments like how these are not trustless, not mined by anyone etc. That misses the point. CBDCs are exciting. Citizens never had an account with central banks before.