How old people use digital currency
at present, there are too many difficulties in implementing digital currency, so digital currency will not be implemented at present, so you don't have to worry too much
the above are my personal suggestions, which I hope will be helpful to your questions.
What is the intention of the central bank to launch digital currency? It is likely to replace paper money, because its function is exactly the same, it only exists in digital form, will not be damaged, and is also convenient for the central bank's quantitative management. Now the technology is very developed, digital currency transactions do not even need the network, two mobile phones touch, the money is paid
most of the practices of credit currency in human history are centralized issuance. Under the most mainstream sovereign credit currency system at all times and in all countries, the issuer of credit currency agrees to be the government, and the government is the central debtor. After the establishment of modern people's bank system, the people's Bank acted as the central debtor on behalf of the government. This kind of currency issued by the government (or its representative) is generally called legal currency. The government compulsorily guarantees its legal solvency and can repay all the debts within its jurisdiction, which cannot be rejected. In the history of mankind, there are also examples that the currency is not issued by the government, for example, it is issued by reputable merchants, and the surrounding people trust it, such as Sichuan jiaozi in Song Dynasty, but it is also the central debtor, but the scope is smaller. In the past, there was almost no completely "decentralized" currency, because it was impossible for Zhang San to issue an IOU to Li Si and Li Si could not use it for payment to Wang Wu by letting all the people outside the center act as debtors (temporarily called non central issuers)