Negative interest rates can be implemented with CBDC. So what would the wise investor do to avoid this saving penalty? Buy silver and gold.

Not only will wise investors reach this conclusion but so will government and banks. In an attempt to head off this hedge against their total control, they will let the paper PM markets collapse and let silver and gold tards run down to cash in their bullion for CBDC tokens. The gold and silver will be locked down so average savers can't avoid the negative interest rates and CBDC token expiration dates.

In my view, selling precious metals for CBDC will be a trap.