You've found a solution that works for you, and that's great.

Unfortunately the solution you've found does not scale and can not apply on a macro level.
It's akin to saying, "Well I went and lived on the land on my own so everyone can do it."
That's a bit of a recipe for disaster where everything dies immediately.
Our dependence on the system ensures it.

The reason I'm tired of the CBDC alarmism is that it isn't a pressing issue.
Not only that if it does become a pressing issue there will be bigger problems to worry about (like the complete systemic collapse of the retail banking sector). I keep being told CBDCs are here. And I keep asking how to buy one without an answer. They are not here. They are a product that literally nobody wants. There is no target audience. It has to be forced on every single participant. It's not happening.