I imagine that everyone will need a Cell phone to transact in CBDCs.
(hypothetical situation) Unless they use the chip on your hand.

During the recent cold snap -30s C, many of my friends had a rapid drain of their Cell phone’s power. They would go outside at 100% but return with single digit or a dead phone. That was over two hours. I did one run and in and lost 30%. What if someone lost all power and wanted to go in to the Mountain restaurant for a coffee to warm up?
During -20 to -15 C days I lose half my charge or more. Same with friends. If I want to take several photos in the cold, poof it’s gone! These are normal temps where I live and play. Windchill factored in. During -10 C days and warmer, I lose very little unless I take a video or multiple shots.

The replacement battery never seems to last as long as the original.

Another logistic problem. No charge, no purchase.
I always carry hard “cold’ cash. Always works.