> The idea of these new CBDCs is to setup a similar system but where the digital currency could be distributed to individual citizens.
I don't think this is the point of CBDC at all. Individual citizens gain nothing with the ability to sell financial assets to the CB, and neither does the CB.
The idea here is about security of money: the money stored in the CB ledger does not lose i ts contractual value in difficult times, as it is garanteed by the central bank.
Compare that to your money in your bank, which is backed at 10% with fiat reserves. If crisis happens and people want to pull their cash out the bank goes bankrupt. Central banks do not go bankrupt, hence your money is always safe.
Sure, but bank deposits are very secure anyway. They are protected by insurance and by central banks which provide liquidity to commercial banks that are experiencing financial distress.
I don't think this is the point of CBDC at all. Individual citizens gain nothing with the ability to sell financial assets to the CB, and neither does the CB.