There are two scenarios that I can see playing out with banks:

1. They collapse on their own without a CBDC
2. They go the CBDC route as a last resort thinking they will maybe save themselves but CBDCs act as a white hat trojan horse as they give bank members the ability to convert their accounts to the CBDC but the banks still try to keep their stupid control rules in place. People will then get pissed, swap their CBDC for a stable coin and move the funds out.

Banks die.

Only a matter of time.