CBDCs are not likely to help simple folks because helping them would come at the expense of regular bankers.
I don't buy the conspiracy theory angle. Central banks are not beholden to consumer banks. The Fed is much more concerned about preventing a depression than catering to the business model of JPMorgan Chase, for example
Well, that remains to be seen and then probably bought, the conspiracy theory part
I don't know for certain but let me guess, isn't JPMorgan Chase one of the chartered commercial banks that can elect some of the board members the Federal Reserve regional banks? Couldn't it turn out that the Fed is now so much concerned about preventing a depression specifically because it caters to the business model of JPMorgan Chase and its bros from Wall Street?
The banks do have powerful lobbyists though. I could see them opposing this on a fundamental level. We'll see whether Congress is in their pocket or not when the time comes. The Fed and others in favor of CBDCs do have some influence, and legislators also have an interest in the potential benefits for economic stability
As far as I know, the Fed has put on hold the idea of a digital version of the dollar. So it's now your time to guess who may have won this covert battle in Congress