I agree, cbdc is already here. They can freeze your account, stop you from purchasing certain items/products, stop certain transfers and other shenanigans. I use cash. What happens when it's full-on cbdc and cash is fazed out? Where do we get cash from? Usually an atm. Unless you withdraw all your cash and keep it in your home, which is not safe for a lot of people, you're looking at full surveillance. Pretty much nobody and almost no businesses accept bitcoin or other crypto in the country I live. So I don't think it's silly that ppl worry about cbdc