I'd think by definition cbdc would be coupon-like and holders won't be able to buy what they want freely already, let alone buy investments with it, which BTC would be considered by the policy makers.
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Also likely not able to transfer it to other people. CBDCs will most likely not be fungible.
Hmm ...I haven't thought about that. I can see that, but maybe that'll come at a later time?
Cuz let's say you rent from an individual, then you need to be able to transfer cbdc to your landlords personal account. So I see that still happening as long personal possessions still exist.