See the close of the article. KYC/AML being a huge failure, as predicted at the outset, is the core rationale behind institutional desire for CBDCs. This is of course a crock of shit, as KYC/AML is just an arbitrary way to put the thumb on scales for the cronies, as it criminalizes everyday behavior. The real crime is "needing" it at all due to our vile & criminal taxation systems.