The Brazilian experience with digital cash, not full CDBC yet, made almost every Brazilian to adhere the use of PIX, a digital FIAT but not a CDBC.
It's pretty much like Bitcoin Lightning. As a matter of fact, Central Bank copied the Lightning user logic. The difference is that the "wallet" still being a bank.
My point is, if it's practical, users will go after it.
As descentralized alternative, none.
The Brazilian experience with digital cash, not full CDBC yet, made almost every Brazilian to adhere the use of PIX, a digital FIAT but not a CDBC.
It's pretty much like Bitcoin Lightning. As a matter of fact, Central Bank copied the Lightning user logic. The difference is that the "wallet" still being a bank.
My point is, if it's practical, users will go after it.