You've touched on a topic that's at the heart of many debates in the financial world right now. The rollout of CBDCs and their interplay with traditional cryptocurrencies is an area that's still unfolding, and as you rightly point out, it has as much potential as it does risks. The idea of programmable money, with all its advantages, also brings with it concerns about privacy and centralized control.
It's essential that, as a society, we are informed and prepared to navigate this new financial landscape. Your post is a great step in that direction, encouraging people to understand the differences and make informed choices.
RE: Dystopia Dawns: Bank Freezes, CBDCS and the Perils of Programmable Money