I'm not gonna use CBDC because they'll get hooked up to digital id, no matter what they're "promising" right now. This is just another shitcoin no one asked for.
In real critical systems, that seldom happens. Satisficing is the recipe for disaster. The current disastrous "world" is built on imperfect systems, "what could possibly go wrong" style.
It takes full work to create an acceptable instrument.
You are mentioning an improvement over credit cards - we would like to have a payment system acceptable by - say, the more "attentive", "discriminative" members of this community.
You cannot call "perfect being the enemy of good" something like "the former solution punched you in the face, this punches in the guts" - it's still "punches".
The contextual solution from the eu only affects those who accepted those credit cards - and already that is a special (while overwhelming) chunk of the population, since today they are mostly those who accepted NFC on financial cards (we don't).
In general, "perfect" is required - because today "acceptable" is not granted and it is crucial part of the details.
>> This is just another shitcoin no one asked for.
Giving Europe independence from US payments processors is a huge deal and very necessary.
You do realize that US payement processor like Visa & MasterCard rely on chip technology from French company (Gemalto, now part of Thales), so these companies aren't independent from EU to start with.
Getting independence from the networks themselves, you only need to create a local competitor ...
And those has been existing for multi-decades in each country. E.g. Carte Bleue(France) Bancomat (Italy), Bizum (Spain), SIBS (Portugal) etc.
Just merge those into a bigger more ambitious network
"EuroPA" is exactly that effort. A digital euro is completely orthogonal to that effort.
Crazy people don't see how dystopian and dangerous the concept of a centralized digital currency is...