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This CBDC talking point bothers me too. The fact that money is programmable is. Or the problem. Fiat is programmable. CBDC's are programmable. Credit cards are programmable. The thing that makes bitcoin unique is that only Gary can program his Bitcoin. I can only program my biitcoin. All the other payment methods mentioned above are programmable too, but not buy the supposed owner of the currency or FICO or whatever. Those payments are programmed by someone else.