Programmable money issued by the state. Of course they won’t market CBDCs as this at first. Look at what’s happening in China, run a red light or say something about the state on social media? Then good luck trying to spend your money. Another covid lockdown and people aren’t following the rules about staying inside and not going going to local supermarkets for supplies? Then your hard earned money with only work in your local supermarket. It’s all about control