[1001101]

Another concern I have heard voiced is that CBCD could be programmed - eg. you can't buy X, or you can only buy Y at certain times, or for certain prices, etc. and has the potential for reduced liberty vs. cash.

[lockhouse]

It can also be programmed with an expiration date to encourage you to spend it to stimulate the economy instead of saving it.

[prometheus76]

It could also be geofenced. Can't use your phone to buy fireworks from out of state because it's illegal in your state. Or you can only spend this money at a local store, but not at a store in another town.

[imtringued]

It is called EBT and it already exists and the thing is people demand this for welfare payments all the time.