While it could be seen as a conflation in theory, in practice it almost certainly is. The purpose of a CBDC is complete government control over the monetary sys

While it could be seen as a conflation in theory, in practice it almost certainly is. The purpose of a CBDC is complete government control over the monetary system, cash cannot remain in existence if this goal is achieved. Many advanced economies have been practically cashless for years, and the friction from phone payments via PCI networks to phone payments with a CBDC app is very little. The loss of physical cash to the un & underbanked in the US will probably be the reason that a CBDC will not be adopted any time soon, highlighted as a risk in the recent paper. However in all states, CBDC is an inevitability, just as it is inevitable that cryptocurrencies like Bitcoin are used day-to-day as an alternative to the state CBDC.