You can have deposit in a bank, and that bank has deposit in the central bank. That's the current situation. With CBDC, you can have deposit in the central bank. This is an important difference.
Important to whom? As a private citizen, why would i want this? As a central bank, why would i want this? Which parties benefit from such an arrangement, which to me seems only superficially different from the staus quo? How and why do they benefit?
One less middleman that can only add extra delay and extra fees.
Also, removes part of systemic risk since "digital currency" is held at central bank and not with retail banks, then it decouples transactions/accounts from deposits/lending. Currently, if a major bank fails because of lending issues, there's a push to prop them up since them failing would also cause immense harm to all the businesses who just transact through that bank, if this is decoupled, then the economic system would be a bit more stable during crisis.
Bank bailouts will become very unattractive since there is a less risky alternative. It's like building a nice bridge that can collapse vs an ugly bridge that will never collapse.
Consider the difference between a Bitcoin and dollars in your bank account. You can own Bitcoin but your bank account just shows how much dollars your bank owes you, you don't own any of the dollars yourself.
