Mojo, I really don't know. Its just a theory. Mr. William " Bill" Addiss who spent 23 Years with Lehman and its predecessor firms, Shearson and E.F. Hutton is very active with training webinars covering CBDC https://event.on24.com/wcc/r/3947810/48EE261835F3B11526A177A9D8C466E2 Here is a good article about the business model and how it'll affect commercial banks. https://sites.duke.edu/thefinregblog/2019/05/22/when-tech-meets-money-the-central-bank-digital-currency/ Good luck Sir