The question is: is it better to use card payments with the current system? Or CBDCs? To me they are the same. I see no difference at all.
Card payments are definitely less bad than CBDCs. Your credit card provider refuses to let you make a payment? You can at least try another provider, or a bank transfer, or some other option. A government refuses to let you make a payment with their CBDC? Nothing you can do about it.
As I said, I don't claim to be the ultra revolutionary, but I hate both. I realise that CBDCs are far worse but in my opinion card payments are also bad, because they ar connected to the banking system. The latter is a system I have learnt to live with, but it doesn't mean I like it. Finally, banks try to make money in every possible way, getting absurd money if people fail to pay their credit balance. So, my point is we should not have CBDCs , nor banks. That's why I call them equally bad. The card provider companies get money as a fee for their services, so perhaps my initial accusations are not very fair. But, nevertheless, they are linked with the current financial system, aren't they?