Deutsche bankerrs are confused

We would use crypto euros for payments if they offered a higher service level than other payment options at comparable levels of cost and safety. With DLT still in its infancy and competitive private retail payment solutions available, this will hardly be the case. CBDC’s chance of gaining substantial market share by catering to unserved payment needs is low given the popularity of established digital payment means and ongoing innovation by incumbent and new service providers.

They ask when users will turn to crypto methods.  This year, and the major users will be central banks and Deutsche. It is not an either or, it is the generational upgrade to money technology, and central banking will adopt the new methods this year, within a few months they will announce as did the authorities in Malta.

Central banking still works, we still have alternative monetary system, as usual.  The only difference is everything is fair traded (free entry and exit) , no monopoly licenses, and everything gets priced observably.

Users will select central bank money when it is convenient, government will tax alternative currencies when it is convenient, no problemo, just infinitely cheaper. The transaction costs of the old tech Euro are about 2%, a deal killer. We reduce that to near zero for new tech Euro.