a CBDC has advantages over normal digital fiat.
You can't compare those two, they are apple and oranges even if that sounds strange.
Central bank digital currencies are going to replace cash, they won't be an alternative to a digitally represented fiat. A transaction that is done via your bank is an IOU-based. CBDCs won't have any difference from cash other than humiliatingly bad privacy. So, it should be properer to say that CBDCs have disadvantages over, say Bitcoin.