One less middleman that can only add extra delay and extra fees. Also, removes part of systemic risk since "digital currency" is held at central bank and not w

One less middleman that can only add extra delay and extra fees. Also, removes part of systemic risk since "digital currency" is held at central bank and not with retail banks, then it decouples transactions/accounts from deposits/lending. Currently, if a major bank fails because of lending issues, there's a push to prop them up since them failing would also cause immense harm to all the businesses who just transact through that bank, if this is decoupled, then the economic system would be a bit more stable during crisis.