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xmly

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It is difficult for the valuation. It might not be worth the cost, especially considering that large amount of shares are held by early investors and founder.

The bank can bankrupt. So your money in bank has credit risk and liquidity risk. But central bank(federal reserve) can "print" dollar, so they will never bankrupt, hence your CBDC has no credit risk or liquidity risk.

However, it puts the central bank being the only bank that handles the clearance/settlement. So it has higher political risk for holders. For example, you can store your dollar bills into a bank which does not follow the order from US government. But if you have CBDC, the federal reserve can simply freeze your balance.

Everything is slowly decaying(dying/chaosing) including everyone's body and the whole universe, that is called Second law of thermodynamics.

Blockchains are just tools. We should focus use cases to choose different types of blockchains. Layer1, Layer 2, sidechains, private chains can be combined together to solve the problem.