As a result of the reform, CBDC users will be robbed. They will not be able to receive interest on deposits. Why does the state need it? To stimulate consumption? But this means that people in the future will be slaves without their own savings.
I'm not a fan of the whole deposit your money here and you earn interest! Even when it comes to bank deposits guaranteed by the state or government bonds, the thing with interest is that it comes with inflation, you have high interest on your deposit you can be sure that the price of all the goods will go up by at least that percentage on a year by year basis.
Not being able to deposit your money for that would be my least concern, if that would have been one of the main goals they could have done it even without a CDBC, they can simply tax the hell out of your income from deposits so you would avoid putting one $ in these.
Exactly. The primary goal of CBDC is to entirely eliminate the ability of people to postpone consumption. When all the money in the economy is digitalized and cash is eliminated, it will not be possible to make savings; you will be forced to spend your money as quickly as possible to avoid losses. You will be forced to increase your consumption of things you don't like and spending on things you don't need, and consequently will find yourself having a very high time preference.
The increased spending would also affect the velocity of money and would lead to rampant inflation, but this would have a side effect, some goods will grow at the same pace so if you decide to spend on things that retain their value like land, houses, and many more you will be shielded from it. Fortunately for us, they will not push with a plan that would force people to consume at increased rates as that would hurt their budgets also, in the EU, for example, increased consumption combined with inflation would have a negative impact on welfare and pension funds and for decades no government is even daring to touch those who are close to becoming out of control problems on their own.
In our case, the EU has already ways of if not all-out terminating deposits making them useless.
What I'm saying is that there are far worse things coming with those and I'm sure in a short time we will be faced with far worse scenarios, one of them would be debts, and the possibility of the state to control your finances when you're in debt.
Just think of it! You're owning money you're not allowed to use your funds for x, y, and z. How does that sound?