> “If you have a bank account but you can - at the click of a button - move your money to the central bank ... that could risk instability in the system,” Yazdi said.

> Riksbank Deputy Governor Cecilia Skingsley has dismissed such concerns, saying people can already exit the banking system by buying treasury bills.

Not sure about Sweden but I don't believe many retail banks make buying t-bills as easy as a click of a button, unless you were using their brokerage.

Few laymen are excited about converting their cash to t-bills. But digital currencies like CBDCs are part of the cryptocurrency wave that has a lot more of the general population interested.