You are comparing a situation where an oppressive government is imposing CBDCs on a population which is very skeptical of its government.  

Very different from canada, France, uk, Japan, sweden, etc etc. 

The attitude of the population, and its level of trust/complacency determines how cbdc would be adopted. 

I would wager that the canadian population would gladly bend over if the government said it was in their benefit.

Hypnagog

bitcoin

CBDCs are coming faster than you think.

CBDCs are real.  Organic adoption is not.   e-Naria being a perfect example.

When they come (and no doubt they will come) it will likely involve forced compliance -- e.g., bank funds converted to e-funds, and you lose full access to your balance, as far as ability to withdraw or where you spend.  You automatically are captured in the CBDC ecosystem.