I think this is what's happening: most countries are waiting for problems and quirks in CBDCs to be resolved first, and they're all letting private sector actors figure out things with cryptocurrency before incorporating their findings into their CBDCs.
It's a race for cryptocurrency to gain critical mass before CBDCs can be dropped on our heads as legal tender digital money. Cryptocurrency relies on persuasion and voluntary adoption. CBDCs rely on force of arms by governments whether by properly passed laws or decrees by the rulers.
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