As far as I'm aware CBDCs are a largely theoretical concept right now, do you have any links to an implementation such as you're describing? No videos please, I don't watch them.
https://www.bankofcanada.ca/2020/02/contingency-planning-cen...
https://www.bankofcanada.ca/research/digital-currencies-and-...
Now, why the state would do that, or why anyone would inherently mistrust the state, are open to discussion.