> Well, right now a foreign government can do that to us ...

Well no they can't because in addition to VISA and Mastercard we have non-centralized EUR tansfers (say from your bank account to your landlord's bank account) and we also have EUR bills and coins.

This centralized digital EUR is scary: I've already had to deal with bank accounts being wrongfully frozen and when that happens you hit a wall of people who hide behind legalize: "we're not allowed to say why your account is frozen".

In my mother-in-law's case she happened to share an identical family name to someone who had done mischief.

If it was a digital EUR and all her assets had been frozen, it'd have been catastrophic (you cannot pay your bills anymore and hence everything gets very messy very quickly).