Thanks a lot for your kind words! It was my first post so I am really glad you liked it. :)

Well I think that if banks create their on digital currency like Russia and Dubai already did it is still controlled by the bank and the state.
So they only need to press one button and all of a sudden they have created X amount of their digital currency. Some people also think that USD Tether works like that although they claim that every single USDT is covered by a USD in their account.
That is why I am very careful with USDT and every centralized crypto out there.