> Besides that: why should I put my effort at the management of people I do not trust so that they do what they deem appropriate without paying for their mistakes? Am I his slave or something?

Generally you are either director or indirectly their elector so they are in fact accountable to you. But yeah, that's kind of how democracy works.

I'm personally only supportive of privacy-preserving CBDCs like the Rohan Grey e-cash proposal.