It is easy to confuse a CBDC and cryptocurrency, but they aren’t the same. A U.S. CBDC will be centralized and under the purview of the Federal Reserve, the U.S. central bank. On the other hand, cryptocurrency is decentralized, without any governing body, giving users more control. Also, cryptocurrencies run on distributed ledger technology, meaning that multiple devices all over the world, not one central hub, are constantly verifying the accuracy of the transaction.
The bottom line is the claim “most banks will disappear” by January 2023 is an insane rant by an idiot.
It is so stupid I would expect to see it on MSNBC.