This is the whole point of CBDC. If you don't toe the line then you can be restricted, punished, cut off from society. Even if you've done nothing wrong, they can still do this. And you have little to no recourse. Like they say "we don't have to tell you why". They can absolutely hold your money hostage for months/years.  

 So what is the solution? How does a person pay their bills, etc., if all their cash is locked up with no recourse? 

 You can't. That's why Bitcoin matters. 

 Money in the bank is not your money.  

 Right. Most people now understand this. Do you have any ideas for a solution for someone that finds themselves in that situation?  

 Don't keep your money in a bank. Don't store value in fiat.  

 An actual solution for people who still have to interact with the world as it is. 

 It is a solution. When I say don't keep money in a bank, I mean don't keep any money in a bank that you're not okay with losing. You can still use a bank to pay your bills. But the only money in the bank should be bill money ie. money you plan on leaving the account within the month. 

This is for I love in America.