I just know that there's a massive part of the economy in my country that is surviving by evading taxes, and I know that this part will not ever like the idea of receiving their payment digitally nor by "NFC Banknotes", whatever that is. Physical cash is often just preferable by every metric, except having to carry change perhaps. Cash is also accepted everywhere, not like cryptocurrencies which are also cash but need an off-ramp for practical use.
CBDCs simply have no unique use case in almost all countries--save being a political boogieman (which is unique to the USA). If no politician can articulate the difference between a CBDC and PayPal etc., it's a non-starter and it will never happen. Everything people are afraid a CBDC can do is already being done today with payment apps like PayPal, credit cards, crypto off-ramps, and even physical cash coming from ATMs is tracked.