Banks are scared. The OCC finalized the GENIUS rules and dropped the crackdown on indirect stablecoin yield, meaning your third-party rewards, exchange kickbacks, and DeFi loops aren’t dead. Issuers can still pass the bag to you through partners. ABA is crying about "deposit flight" because they know nobody wants their insulting 0.05% APY while banks gamble your money away. They wanted the government to choke your yield so you’d keep begging them for breadcrumbs. I'd also be scared if somebody was trying to take away my profit margin by giving customers their money's worth.