I've had an idea kicking around in my head for a while, tell me where I've gone wrong: They introduce a digital dollar, at 1:1 with the regular dollar, but the

I've had an idea kicking around in my head for a while, tell me where I've gone wrong: They introduce a digital dollar, at 1:1 with the regular dollar, but then have it float as an independent currency. Freely tradable against the regular dollar or anything else. Why do this? Because it seems to me that there are already two economies. The things that ordinary folks trade in, and the things that large businesses, rich people, and speculators trade in. Giving them their own currencies might help to insulate normal people somewhat from having the financial engineers crashing their economy. They'd crash the "rich people" economy instead, there would be knock-on effects but hopefully minimized. So, the old dollar would be legal tender for salaries, rent, food, clothing, all retail goods essentially. The digital dollar would be legal tender for commodities trading, share trading, crypto trading, swaps, company acquisitions, government contracts, and so on. Yes, companies that buy things from the second category and sell in the first would have extra currency risk, but that's not unusual in business. The big question would be in which category to put housing, given that for some it's an investment and for others a home. I'm tempted to say both currencies could be legal tender for that, but open to other ideas. I'm not an economist, but does this make any sense at all?