I have the same lack of trust in private banks and central banks, so well... For me a CBDC it's not worse than using a Visa. The issue with BTCs it's where I can spend: most merchants around me do not accept SATs and using crypto cards is using Visa/Mastercard so not much safer. That's the damn real issue: so far crypto cards works well, we can spend vintage SATs with peace of mind. BUT there's no guarantee this will last, and once you take away Visa/Mastercard, until the majority of shops accept native SATs, even having 100k BTC isn't unfortunately going to save you. It's fine for sovereign states selling oil, other raw materials, or industrial products, but for the average person who just wants to live their life, buying the food they need, maybe a car and so on, it's a massive problem. As long as you have to go through fiat currency one way or another, your freedom, even if it's slightly greater (you have "your bank safe and sound"), is still limited.