I think people are very confused about CBDC and digital fiat.
This is centralized as you said, no matter what. It's Facebook money, with a central bank controlling the supply and software. No developers contributing, all hired by central bank.
And CBDC is not crypto.
Extremely true, this is just like an upgrade for traditional fiat which has some probability that will not end.
The only unique here is being offline, you can do it offline, which I am still not sure if it will work, hoping to know it soon how the offline thing works. This could something like improved Paypal or Apply Pay, etc.