CBDC's introduce an additional capability in that it is effectively programmable money. Imagine some money only being able to be used for certain things, no an

CBDC's introduce an additional capability in that it is effectively programmable money. Imagine some money only being able to be used for certain things, no anonymous third party transactions, automatic shut off certain accounts. This is a new area. Existing accounts can do this to some extent, but it is still decentralized to some extent. But I agree the only way to avoid surveillance is tthe use of cash.