what's is the diff between normal digital fiat and cbdcs

Diffference between normal fiat digital currencies and cbdc's

I have looked it up --- most people say "it is so governments can censor your transactions"; cant they already do that with normal digital fiat? Or "it is so the government can monitor what you pay for" cant they do that already too?

One comment said::

'CBDC's threat to your privacy an freedom - "A Government agency would be able to see every single transaction an individual makes, and the state's control over the individual, as it would give these agencies the power to simply turn off an individual’s access to their money.'

A Government agency would be able to see every single transaction an individual makes

They can already do that with fiat digital currencies

and the state's control over the individual, as it would give these agencies the power to simply turn off an individual’s access to their money

They can do this too

So PLEASE HELP ME understand, what is the difference between cbdcs and normal digital FIAT........