I see your logic but will point out, you can't have a "viable" digital currency without crypto. Otherwise it's simply numbers people can't confirm. But you are right, my commentary makes no distinction between digital currency and crypto currency; the later of which is a subset of the former.
They could use a cheap proof of stake crypto like a fork of Ripple or Stellar that has a lot of centralization, but their "digital currency" will simply be rebranded numbers in a database. The difference will be the Central Bank will control the database entirely, down to your individual bank account, not just the reserve accounts held by the banks with the Fed.
Mexico, China, and a lot of other countries already have this system. It will start off like that. Then they will extend it to be more invasive later.
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