Recently , while preparing a lecture for one of the classes I teach, I had an epiphany. Yes, the clouds separated. That beam of light came down, and was so strong it sunburned that bald-spot on top of my head! (Just kidding about the beam of light folks. Unfortunately, not the bald spot.) But the source for my epiphany was as unlikely a source as even I could imagine. I’m still surprised: Central Bank Digital Currency: CBDC.