Excellent questions.

There's so much to unpack there.

1. Not if there's a credit-free alternative. The problem is credit. Credit is how we got to where we are now. If we take a hard look at what credit is, borrowing value from the future for use today, it is clear that we need to fix or move away from a credit-based system, otherwise the future could arguably depreciate or be robbed of its value.

Yes, credit is used to build things of value, but if no energy is created or destroyed in the universe, that credit, assuming there's an interest component like every dollar in existence today, is just false energy added into our finite energy system.

Maybe a bright orange future has no credit system. Perhaps sats are crowd sourced willingly, similar to a voting system.

"We sure would like to mine that asteroid, but it would cost a great deal of sats to achieve that." Earth's population funds company X ₿20,000 for the project.

Developer wants to tear down suburban homes to build an amusement park. Project falls short and doesn't go ahead.

Major tangent, I know, and much of the above is pure speculation which assumes a perfect world. Perhaps a perfect money will eventually lead to a perfect world.

2. In the near term, we will likely be forced to swallow a CBDC pill in some form or another. Ideally, employers that pay in ₿ will be more prevalent. ₿itcoin is evolving beyond the speculative asset phase toward being a parallel economy.

In short, appear to comply, and, noting the surveillance and limited purchasing abilities that CBDCs are likely to have, transfer that CBDC through intermediary assets to BTC.