A certain type of behavior was required by the masses in order for the federal reserve to become a thing. Evil cannot enter the hearts of men without them granting it access. Imagine what kind of collective sinning would be required for CBDCs to become real.
I understand you gaylords are bashing onto the government for not creating anything. Take a sit and write down 'bureaucracy' on your little student textbooks until you figure out what's its purpose.
Please consider your options again. It doesn't make sense to continue living in a place where your craft isn't valued properly. Even if you'd get those 3k now, your situation wouldn't change apart from it. You'll be right back in a similar position soon.