Really all of the proposed benefits could be achieved in much less sexy ways. Want to bank the unbanked? Restart post banking. Want to improve transfer speeds? Copy what every other country has done and create a faster electronic clearing system and mandate banks adopt it. So on. So given we have solutions for all these proposed benefits that have been implemented before, elsewhere, I question the true motives behind CBDCs. Especially given they can do far more than these claimed benefits, ruin privacy, allow different interest rates and time limited currencies, control what your money can be used for. Etc. Why would we want to do that?