In the ongoing debate surrounding the issuance of a central bank digital currency (CBDC) in the United States, Federal Reserve Board member, Bowman, has expressed skepticism. While various arguments have been put forth in favor of a CBDC, such as addressing payment system frictions, promoting financial inclusion, and providing access to safe central bank money, Bowman remains unconvinced. He believes that alternative solutions may be more effective and efficient in solving these issues, while also posing fewer risks for consumers and the economy.

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