On the bankers, the rulers from Wall Street and CBDC. Do you know how much of control over money will be given to your rulers if a CBDC is used by a country? Also, Wall Street is only all in bitcoin as a speculative investment heheheheh. Do you not understand this?
Why would a CBDC make any difference whatsoever? Something like 90% of USD is
already held digitally. Why especially would making the last 10% that's floating around in paper change anything? The US isn't going to have a CBDC because there's no reason to have one. Physically dollars will be used less and less and eventually they will just be gone from everywhere but eBay in the collectables section. Those physical pieces of paper will be replaced by credit cards, payment services, and (actually scalable) digital currency.
And yes, Bitcoin is, to almost all of it's holders, nothing more than a speculative investment. It requires $30 billion in hardware to process the transaction load of few busy shopping malls at Christmas. Bitcoin is not a threat to become anything else than what it already is, and there's no government or anything else stopping it. Bitcoin's limitations are technical, not caused by some Illuminati conspiracy.
The difference on CBDC and digital payments is very big. CBDCs will be issued by your central bank which will certainly come with mechanisms where they can check all of your transactions directly, collect your data and invade your privacy. They presently cannot do this directly because there are processes they need to follow before they can invade your privacy and collect hehehe. On CBDCs and knowing how the government behaves, we cannot be shocked if these CBDC payment platforms are designed to invade on everyone's privacy. It would be headshaking and very much stupid if everyone trusts the government for data protection and privacy protection hehehehe.