Write to the Bank of England

Here is an idea of what to write:

I am a member of the public and I wish to express deep concern about the “Digital Pound” plans.
This idea seems to be yet another undemocratic “solution in search of a problem” with no clear benefits, but which poses grave dangers and fundamental, irreversible changes for the people of this country, especially the most vulnerable.
At minimum: how would you ensure a Central Bank Digital Currency is not used as a means for Government or third parties to dictate how we spend our money; that it is not used as a tool to shut down free expression; that intrusive surveillance of the public does not occur? That, ultimately, it does not morph into a nightmare, China-style “social credit” system?
If you do not have watertight answers to these questions, these plans – which are not based on any democratic mandate – can only be regarded as dangerous in the extreme and must be scrapped.
There are several obvious and serious risks:
Privacy – is it not inevitable that this scheme would result in intrusive surveillance, with every transaction recorded by Government? Without privacy there is no freedom. Are you not also creating a totally unnecessary and gargantuan security risk – a prime target for hackers, fraudsters, blackmailers, stalkers and criminals of all kinds?
Programmability – neither Government nor third parties have any right to dictate how I spend my money. The very idea of “programmable” currency is not one that should be entertained.
Yet more discrimination and exclusion directed at older and vulnerable people – around 5m people in the UK do not have internet access, let alone smartphones. Many of these are older people who already struggle greatly and whose quality of life is worsening before their eyes because of an increasingly ‘cashless society.’ What of homeless people or other vulnerable groups? We must assume this proposal would only accelerate this trend. This seems another scheme dreamed up by and for a remote, young, affluent, tech-savvy elite. What would it actually do to millions of ordinary people in their real lives?
I utterly oppose mandatory (or de facto mandatory) Digital ID – which is what this proposal almost certainly threatens in reality. The UK public has consistently rejected ID cards, yet the technocratic impulse to number and track us all as though we were little ants never seems to go away. We must not have Digital ID as a pre-requisite to participate in society or the economy.