The current banking system doesn't have: 1) carbon credits, 2) social credit score.
Current banking system already has a record of all your financial activity that goes through them without having a fancy disguise for it and on top of that there is a massive database in NSA with your every move inside of it, your financial activity is the least of it. After all they have to use their tens of billions of dollars budget for something!
You still don't get it... my point wasn't the financial history.
Currently I'm able to buy as much red meat/gasoline as I like with fiat money (either cash or credit/debit card). Right?
Will you be able to do the same with CBDC? Or will they restrict your red meat/gasoline consumption to "mitigate" climate change? Answer this question please.
THEY aren't optional, Bitcoin is. You have the option to choose bitcoin to exit that corrupt system and cut the hands that are in your pocket.
Sure, BTC is an option (as long as it doesn't become centralized/censor-friendly).
XMR is potentially another...
You will be forced to use the black/grey market to buy red meat or gasoline in the future. They will be like drugs (cocaine, heroin). People don't use banks/cards to buy drugs, they use cash for a reason.