I don't want to live in a cashless society, and I will resist CBDCs because of all the civil rights violations they enable and make easier. I have absolutely zero desire to transact with other individuals through some dystopian, government-facilitated digital payments system.

I‘d also prefer if cash stayed around (and ideally be augmented with privacy-preserving digital equivalents that strike a balance with valid state interests such as avoiding tax evasion).

But keeping wire transfers and ACH expensive and/or painful seems like a terrible way of achieving that.