No, I'm not confusing anything. I think you're trying distract from the incredibly antisocial effects this project will have. Everything I wrote comes from the position paper published on the Taler project's website:
Page 16: These denomination keys, and thus the coins, would have an expiration date before which they must be spent or exchanged for new coins. Customers would be given a certain amount of time during which they could exchange their coins.
Paper and coin money also gets expired and you need to replace your mattress stuffing for the new versions every now and if you want to keep any value.
That sounds more like a technical aspect. It is probably related to cryptographic key expiry, not the balance itself. Also, even if what you said was true, having all your money expire all at once is so easy to avoid that it is kind of meaningless to even think of it as a problem. It's more like a pointless micromanagement hassle than a realistic way of stealing your money.
https://taler.net/papers/cbdc2021en.pdf
Page 16: These denomination keys, and thus the coins, would have an expiration date before which they must be spent or exchanged for new coins. Customers would be given a certain amount of time during which they could exchange their coins.