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Will CBDCs replace cash? No!
Cash is anonymous, not dependent on technology or on regulations that limit currency choice. 

The human touch is vital. However what we have done these past three decades, is that we have surrendered much of potential human ability to technology. The humans left in banking today have been trapped in little isolated pockets, where suposedly they are experts. Compared to thirty years ago these "experts" are no experts at all. They don't really understand the processes, products and practices that they supposedly are experts in.

If this is the type of human touch we are spaking about I am not so sure I want it. Just remember "Little Britian" and "Computer Says No".

Really? I think not. Too much is placed on "technology", and well lets face it the tech being applied to banking is simply wooden. One or two real innovators out thre will hit the jackpot and that yet unknown innovation may change it all. 2030? Much the same as 2018.