CBDC designers face an interesting dilemma: they want to make their funny money popular, but not too popular, otherwise banks could go bust. ECB itself claims that: "The intention is to incorporate limit and remuneration-based tools in the design of a digital euro to curb its use as a form of investment." (section 2.3 of
https://www.ecb.europa.eu/paym/digital_euro/investigation/governance/shared/files/ecb.degov220929.en.pdf ).
And per-user limits kill usability. (I imagine here a limit like "no user is allowed to hold more than X eur in CBDC.) Imagine a retail store begging customers: "please no more CBDC payments, we hit our limit." But ECB proposes to automatically send the excess to a linked bank account, they call it waterfall.
So I am cautiously optimistic about the future.