Lol, i thought it was bitcoin that was going to be replaced by CBDC's. According to the governments that are putting plans in place to launch CBDC's in their country, it isn't going to replace paper money, but i am pretty sure they'll really push CBDC's on their citizens, because it helps them to monitor people's financee better.

OP, all that you are asking actually depends on how big of a success CBDC's are going to be in their respective currencies. My country has already officially launched its own CBDC: e-Naira, and it has been a failure over here and it is definitely not changing anything as regards what we have already been using. As long as people still have their commercial bank accounts, they'd still use credit/debit cards as they have always done.