The big banks pay you nothing on your deposits, park your cash at the Fed, pocket the yield, then lobby Congress to make sure no one else can offer you a better deal. When stablecoin yield language was floated, five bank lobbies declared that "the correct policy goal" was "prohibiting the payment of yield and interest on stablecoins." The people paying you nothing want to make sure nobody else can pay you something either. Bank of America violated the Bank Secrecy Act for seven years, failing to report over $5 billion in suspicious transactions on time. The fine was $1.2 billion, a fraction of one quarter's $8.1 billion profit. Cost of doing business. The small banks that actually served the bitcoin industry got a very different kind of justice. Silvergate wound down under political pressure. Signature was shut down on a Sunday. First Republic was seized and handed to JPMorgan. Their CEOs took bars and settlements. Bank of America wrote a check and went right back to business. The OCC reviewed debanking at the nine largest banks. All nine restricted access for lawful businesses. Bitcoin and crypto companies were lumped in with coal, firearms, and tobacco. The regulator admits it can't promise it won't happen again. Nobody can debank a private key.