Pix is proof that fast lowcost payments can work at scale and its wild how 93percent adoption happened without needing crypto. It shows the real friction is not always tech but legacy systems and powerful middlemen. I agree the way CBDC is used now feels more like a political weapon than a tech conversation. And Krugman… well lets just say his track record speaks for itself. Privacy isnot baked into the system whether its run by the state or private banks unless we demand it.