Exactly which problem is it trying to solve? If it's KYC-free purchases, Bitcoin and Monero and Gold/Silver already give you that and unless it has enough mindshare (something that is almost impossible to get even for megapower, see Microsoft vs android and Microsoft vs iPod) this option won't be available. If it's privacy, Gold/Silver and Monero gets you that. If it's traceability but privacy for "legal uses", CBDCs are supposed to give you that. Note, a big issue today is banks not holding enough reserves and not allowing you to move your money. Tales, by its nature depends on 3rd party custodians thus can be shut down or collapse if the custodian goes out of business or refuses to validate spends. Bitcoin and Monero and Gold/Silver allow for self-custody, ensuring that your money stays your money.

Monero won't help if you told people you have a lot of Monero and so you'd get targeted. Even public Monero figures like Doug Thurman of Monero Talk can claim they have only a little Monero because they actually use it, not HODL it (whether true or not). And having an open block chain coin doesn't mean you will get caught...the thief could you just use a DEX or atomic swap to avoid KYC. What would help is good OP-sec practices like never revealing how much you have and always having at least one decoy account with only a little XMR....if you get threatened, give that account up.