The use of debit or credit cards from the gateway payment systems only have the negative vibes of being under a centralized network, which is what most people are now running away from today that make them to adopt the use of bitcoin from a decentralized network,
Running from?
There were 14 billions cards in the world in 2016 and there are now 18 billion, that's a growth of 500 million a year!
You know how this looks compared to bitcoin ownership?
Each year there have been more cards issued on top of what we have than 10x times!!! the number of all addresses with a Bitcoin balance in the entire chain!
Between 2012 and 2024 the number of address with a balance has gone up by 2 million, the number of payment cards has gone up by 1.6 billion!
Who is running from what?
OP, all that you are asking actually depends on how big of a success CBDC's are going to be in the countries where they'd be launched. 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.
You can't compare Nigeria where 2% use credit cards and 80-90% of transactions are cash based to other countries where cash has gone down to 10-20% and the majority of the population has a debit or a credit card , not to mention the difference in trust population in the US or EU have in their currency compared to African countries.