The point has been made against the Central Bank Digital Currencies (CBDC) by US Congressman Tom Emmer that they are easily weaponised to deprive people of financial privacy. They would be “easily weaponized” as a spying tool to “choke out politically unpopular activity.” "As the federal government seeks to maintain and expand financial control to which it has grown accustomed, the idea of the central bank digital currency has gained traction within the institutions of power in the United States as a government-controlled programmable money that can be easily weaponized into a surveillance tool.” That is all true, as was dramatically illustrated by the Canadian government cancelling the bank accounts of the trucker protesters. This social control is the key reason why the ruling elites want CBDCs, as they can never have enough power.
https://cointelegraph.com/news/cbdcs-could-be-easily-weaponized-to-spy-on-us-citizens-congressman