Centralized, programmable "currency" (CBDC) would logistically enable social policy enforcement on a per-transaction, per-person basis, https://news.ycombinator.com/item?id=34716542 & https://news.ycombinator.com/item?id=32234361

One suspects that even some of the people behind this effort are skeptical, when you read between the lines.

As with the rest of crypto, 99% a solution in search of a problem.

Banking in the U.K. isn’t perfect but for the majority of consumers it’s quick, easy and convenient and by and large fee free.