I agree with a lot of things you say, and most importantly that

I don't doubt their plans for FedNow leading to a CBDC either. I do think you're underestimating government stupidity, though. It would have made more sense to pause rate hikes, which would have stabilized the banks and improved what's left of trust in the system for the average Joe.

I think the level of suspicion the typical American has in the system may make this whole CBDC rollout a lot more difficult. It's not just us in our bitcoin echo chamber who have lost faith.

At least I hope I'm right.