A CBDC is basically tokenized fiat that exists on an XRP Ledger side chain (Ripple has something called the "CBDC Private Ledger"... basically it's a clone of XRPL that connects to the real and open XRPL but has different rules, permissions, and programmability) -- or the Stellar networks (such as how USDC runs on Stellar -- USDC itself may even become the USA "CBDC"... think "private-public partnership") -- or something like Algorand.

In any case, if you want to avoid whatever limitations USA digital money might have in the future, just hold XRP now and hang onto it until you see how this plays out.

The XRPL is not built to enslave you, and neither will it be permitted to. What certain nations or entities decide to build on top of it is perhaps another story. But you can always hold a stake in the open, public, permissionless XRPL.

And by "always" I mean, you can do it now, knowing what you hold, and be so wealthy when they flip the switch on the new system that you're not going to be worrying about the bullshit they push on the masses.