For further reading this is the 2023 report of the Bank for International Settlements (BIS)
The following are from the Conclusions of this paper / survey:
CBDCs have become a topic of global interest. As of late 2023, 94% of 86 surveyed central banks were exploring a CBDC.
the likelihood that central banks will issue a CBDC within the next six years is now generally greater for wholesale than for retail CBDC.
more than half of central banks are considering a retail CBDC that is subject to holding limits, (...) When it comes to wholesale CBDCs, many central banks already consider themselves likely to embed interoperability and programmability
No limits on holdings are even considered for the big centralized entities in this 2-tier system. Apart from that and to my understanding, implementing this would mean that our digital wallets will be by default controlled by a bank, a government, both and/or another centralized entity. Let's keep in mind that in these digital wallets, our digital IDs will be stored as well.
Of course the above don't sound good to say the least. But we are not there yet. For this reason I believe it is important to keep an eye out on these topics and be informed on these developments, both locally and worldwide so that we can to do our part.