I still can't figure out what makes CBDCs better than good old paper cash.
For you and me? No better. There may be that you may be able to have some sort of wallet with no yearly fee to the bank, but that's all.
For merchants? Hmm.. it may become interesting to not pay a lot of money to VISA and Mastercard and just support CBDCs.
For governments? Full control over people's finances, zero privacy and all the rest.