> I think the whole CBDC idea as more like governments trying to pile on to the “blockchain” trend. No. Central bank digital currencies need not be implemented

> I think the whole CBDC idea as more like governments trying to pile on to the “blockchain” trend. No. Central bank digital currencies need not be implemented with inefficient blockchain technology. Privacy is a big issue, but the solution to that is not a public blockchain. CBDC could be huge in actually disintermediating many banks. Note that in some societies (eg Sweden) most transactions are already cashless, so the whole issue of privacy is orthogonal to CBDC.