You are so right! CBDC is simply inflation (more devaluation of the currency). No rational person would transact in this currency (what Chinese supplier will accept Walmart's CBDC currency?). No rational person would save this - you'd just spend it the instant you could on whatever you could get & try to trade the stuff later as necessary. Inflation is NOT rising price levels; it's falling currency value - this would accelerate that decline. Basically, US economy shuts down & US government collapses (because what soldier would accept this crap as pay?). This is the end of world.