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I would not sign this. Germans love payback engagements. If their are benefits like any dump points at the supermarket cashier for getting some dishes from WMF cheaper... The Germans will use it
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Yes, they could incentivize it with cashback... subsidized by taxes (or money printing).
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Well, that's interesting, they can also make a promotion - like convert your bank account to cbdc and receive an extra 100 EUR :)
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Well, could be, who wouldn't want extra points on their payback app 😁
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Germans also love complying and following rules.
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They follow their god, the state, into the next desaster
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I don't believe it will work in Germany =)