Another scenario to consider is the collapse of fractional (zero is more like it) reserve banking, which we seem to be teetering on the brink of, followed by bank runs and chaos. The people will demand the very solution the government (the real government...central banks) already has prepared, supplement "checks". But, with the banks having failed and closed, the supplement will have to be delivered digitally, to your FedNow phone app, in the form of a CBDC.

I much prefer your vision, and do hope you are right and I am wrong.