Write me an essay for this question using simple terms$($b$)$ The European Central Bank $($ECB$)$ has stated: "A digital euro would be a digital form of cash, issued by the central bank and available to everyone in the euro area." $$ Suppose you are part of the digital euro team working at the ECB. $$ Write a concise report to the ECB President addressing the following points: i$)$ Potential benefits & risks of implementing a digital euro based on this description ii$)$ Key considerations for designing and implementing such a CBDC iii$)$ Recommendations for ensuring the digital euro complements rather than disrupts the existing financial system