I am far from 9 4/6  BIS central bankers' speeches  convinced that a CBDC is the best, or even an effective, method to increase financial inclusion.9 Last, some believe that a Federal Reserve CBDC would spur and facilitate private-sector innovation. This is an interesting issue that merits further study.
At the time of the French revolution half of the population did not speak French and only republican public schools completed the formation of Frenchmen. A form of civic community among strangers was somewhat artificially created to shape several European nation-states. Nothing proves that a similar process, certainly longer and more difficult, cannot occur at the European level.