It is not a greed and hoarding if someone wants to spend below their means and save some money as a reserve for bad times.
Savers have already been ‘punished’ by close to zero or negative interest rates on savings.
CBDC / digital currencies allow governments direct distribution or freeze of money to all residents/users.
In case of a non-democratic government it allows the government to give to the obedient, and take from the rebellious…