Cryptocurrency or Central Bank Digital Currency?

I'm in favour of crypto. I'm sceptical about central bank ditical currency. And my hackles rise when a whole gang of bankers and an economists and regulator turn round and say, it's all got to be bannd. Ian demand reflects economic need for fast and reliable payments that don't operate on these slow and expensive rails of c h,. The first thing the incumbents did was to try to shut down scottish banking. Now i think it would be wonderful if banks or finance get rid of deposits by issuing equity rather than short-term loans.