my prediction: in the next 2 years, we'll witness the first bank run in US history caused entirely by AI agents. the banking industry has spent decades profiting from human laziness, knowing most people won't bother optimizing where they keep their money. but what happens when millions of agents are working 24/7 to squeeze every possible dollar out of people's finances? imagine a major bank starts offering 4% APY on checking deposits while competitors pay next to nothing. millions of agents recognize the opportunity and begin moving customer deposits to capture the better returns. within hours, billions could flow out of competing banks, triggering the first bank run driven by financial optimization rather than fear. as a result, i think 2 major things will unfold: 1) banking margins will compress significantly. banks will be forced to compete far more aggressively on deposit yields. the days of paying customers next to nothing while earning significantly higher returns on their deposits will come to an end. the same dynamic will extend across other financial products, from card rewards and cashback rates to lending rates and loan terms. as agents make switching providers effortless, banks will have to pass more of their economics back to users or risk losing their business. 2) banking relationships will become increasingly commoditized. in a world where agents are automatically allocating funds to capture better offers, customer loyalty and switching costs become far less valuable. banks will no longer just compete for human attention, but for the algorithms deciding where trillions of dollars will be allocated. i think most people are severely underestimating how soon this will become a reality. personal AI agents have found massive PMF, and their adoption curve is accelerating rapidly. legacy banks have no idea what's about to hit them.