All of those people that you said don't want a CBDC want a CBDC, and independent banks, small time community credit unions, regional banks etc stand in the way of the implementation.
This isn't about destroying retail banking business, it's about consolidating as much banking influence and power as possible in a last ditch effort to maintain their control they've had over us for centuries. It's much easier to implement a CBDC with the help of 5 or 6 megacorp banks instead of thousands of independent banks.
They tricked banks into buying absolutely shit bonds, hiked rates up historically high, and introduced a shadow YCC program to kick the can down the road.