Rebuttal from responsible professor deploying such systems:

- Do you trust your bank? (to never get hacked, go bankrupt, etc.)

- Do you trust Big Tech to run the global financial system? (search: "Google Cloud for banking" or read "Cloud Computing in Banking" by capgemini).

- Do you trust the government with critical infrastructure?

Central bank digital currency could indeed be evil. The way Delft University is building it gives more power to the people. Here in Europe the digital Euro is coming. We've done some open source Internet-deployment test, with live connection to the IBAN system[1]. [1] https://github.com/Tribler/trustchain-superapp#digital-euro