“Commercial banks will have access to user data but not the ECB. Now we know historically, that it’s just a matter of time, whether that’s built in from the beginning or whether over time things get worse – that’s the promise they make now. (…) Those commercial Banks could always be told, just hey hand over the data to us ! That’s what Christine Lagarde admitted, because the system will use them as intermediaries to disseminate the digital Euro.” Andrew Henderson (Nomad Capitalist), Europe Lied About CBDCs, YT, Ende Dezember 2023 (eigene Hervorhebung)