If a digital ruble is created in Russia, it will make it possible to force people to do the “right” actions, under the threat of a complete ban on the use of their money. Blacklisted people will not be able to buy the goods, works and services they need.
At present, this looks like a utopia, but in the future it is possible (and not only in Russia).
In fact, for me, utopia, dystopia and real life are synonymous.
Since the beginning of the Covid-19 coronavirus pandemic, I have had the feeling that I was in some kind of terrible dream - a nightmare. And you can't wake up....
I agree with you that there is a difference between the terms utopia and dystopia. The term utopia is positive, and dystopia is negative. Therefore, the introduction of CBDC is, of course, a dystopia (building a digital concentration camp).
The very idea of programmable centralized digital money is not an absolute evil. I admit the idea that CBDCs can become an effective financial tool, but only in a situation where managers have clear and understandable strategic goals (as well as a positive picture of the future). And if this is not the case, then the introduction of CBDC is another step towards building a digital concentration camp.
Why is it necessary to introduce CBDC? To establish total control and maintain the power of the ruling elite.
Unfortunately, issues of maintaining power, as a rule, always take precedence over issues of economic development and improving the well-being of the people.