It’s certainly a cause for concern, I’m just labeling it as a conspiracy theory because how the system would work in practice is still in the air and there’s been theorizing on what they could do, but what they could do is not necessarily what they will do. You’re right though, the potential amount of control they could exercise over the monetary system with this setup is terrifying. For example, I’ve heard of the idea floating around of having money that sits in an account for a certain amount of time expiring to force increased spending. Inflation is supposed to encourage the same behavior, but this is much more blatant and leaves no room for speculation.