My point is simply that, to use your own words, we can create an "alternative type of bank account" without creating an alternative type of electronic cash. (Cash in a bank is already electronic.)
https://joinbankon.org/
A new type of currency is not necessary to provide such accounts. Nor does this new currency seem to hold any intrinsic advantage for these customers over traditional (dollar-based) digital currency. Rather, it appears to be an example of a purported benefit promulgated as a rationale for CBDCs.

In his drive to create the world’s most efficient company, Jeff Bezos discovered what he thought was another inefficiency worth eliminating: hourly employees who spent years working for the same company.
Longtime employees expected to receive raises. They also became less enthusiastic about the work, Amazon’s data suggested. And they were a potential source of internal discontent.
Bezos came to believe that an entrenched blue-collar work force represented “a march to mediocrity,” as David Niekerk, a former Amazon executive who built the company’s warehouse human resources operations, told The Times, as part of an investigative project being published this morning. “What he would say is that our nature as humans is to expend as little energy as possible to get what we want or need.”
In response, Amazon encouraged employee turnover. After three years on the job, hourly workers no longer received automatic raises, and the company offered bonuses to people who quit. It also offered limited upward mobility for hourly workers, preferring to hire managers from the outside.
As is often the case with one of Amazon’s business strategies, it worked.
Turnover at Amazon is much higher than at many other companies — with an annual rate of roughly 150 percent for warehouse workers, The Times’s story discloses, which means that the number who leave the company over a full year is larger than the level of total warehouse employment. The churn is so high that it’s visible in the government’s statistics on turnover in the entire warehouse industry: When Amazon opens a new fulfillment center, local turnover often surges....

Schwab’s short-term redemption fee will be charged on redemption of funds purchased through Schwab’s Mutual Fund OneSource service (and certain other funds with no transaction fees) and held for 90 days or less.

Dimensional Fund Advisors just became one of the biggest players in the $6.5 trillion exchange-traded fund arena.
In a milestone moment for the money management industry, the $637 billion quant pioneer founded by David Booth has converted four equity mutual funds with $28.8 billion of assets into ETFs.

How much would a $50,000 investment in RPHYX, expense ratio of 1.05 lose over a 10 year period compared to RPHIX expense ratio of .90? RPHIX would have a transaction fee of approximately $50 at Schwab.

On August 5, 1861, President Lincoln imposes the first federal income tax by signing the Revenue Act. Strapped for cash with which to pursue the Civil War, Lincoln and Congress agreed to impose a 3 percent tax on annual incomes over $800.
Congress repealed Lincoln’s tax law in 1871, but in 1909 passed the 16th Amendment, which set in place the federal income-tax system used today. Congress ratified the 16th Amendment in 1913.