6.8 Banking 瑞·达利欧警告，CBDC或消除金融隐私，使政府能追踪、征税和控制个人财务，并限制特定用户访问。
瑞·达利欧（Ray Dalio）多次警告，央行数字货币（CBDC）可能会消除金融隐私，并赋予政府前所未有的财务控制权。他在多次采访中指出，CBDC因其高效和便利性（如加快支付、简化税收）很可能被广泛推行。 然而，达利欧强调，这些优势是以牺牲隐私为代价的。每一笔交易都将被数字化记录，并受到当局监控，这使政府能够实时追踪支出、即时征税或冻结资金，甚至切断政治对手或外国用户的访问。 他还提到地缘政治风险，认为外国政府可能查封非本国公民持有的数字货币。尽管有官员声称CBDC会内置隐私保护，达利欧依然对其广泛采用和潜在滥用保持怀疑，警告数字货币可能开启新的监控和金融控制时代。
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