The reality is, we do not 'need' central banks. Not in the slightest. A country, or even individual states, can create their own currency and run their own banks, either without usury, or with very low interest rates. That’s the path to freedom, and all that is required is the decision to do so, and the guts to carry it though.
Bank for International Settlements general manager Agustin Carstens ignores the concerns of citizens all over the globe that governments and corporations could be able to program CBDCs to restrict less desirable purchases.