Programmable money-- which is what the CBDCs are has the features listed in the original post, and one more: expriration dates.

If it wanted, a central bank could specify that "money" issued "today" becomes worthless 90 days later. This is so that people could spend that money in an effor to stimulate "the economy". The central bank will say that is to avoid the hoarding of money as well as to avoid a bank run. What is left unsaid is that savings would take a big hit.

This odious feature, along with the others mentioned in the original post, cannot be good for people holding CBDCs. Unfortunately, that means everyone of us.

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