⭐ Merited by o_e_l_e_o (4)
I said that most of them (meaning creadit card users) think the money on a bank card are real cash converted to bank balance. I never said that I'm one of these people.
You also said people aren't the sheep we think they are. But then you said they all use credit cards not understanding the money is not real (which I agree with), and they will all use CBDCs because they are convenient (which I also agree with). But surely just going along with what the banks tell you to do (use credit cards, use CBDCs) is exactly what the sheep would do? 
What I meant by "they're not the sheep" is that there's a boundary that when crossed causes people to rise up and riot. You could for instance see it when the governments enforced covid lockdowns.
Yes, people like convenience and usually don't care where the money comes from, which is why they use credit cards and will probably use CBDC money, but it will all stop when the government forbids them to use any other form of payment (cash, crypto) and when they get to feel the impact of social credit scores and carbon footprint taxation. IMO people who are for CBDCs and might use them don't realize yet what they'll bring to the table along with the so called convenience.