The very concept of TBTF is the root issue. No more regulation, no protection for banks. Let them fail and the grandmas with them. People need to learn to pay attention to what matters if we ever want to put humanity onto a better track.
An article I wrote on why Bitcoin rehypothecation should be illegal for TBTF banks now that SAB 121 was rescinded. And yes, I know, Bitcoin doesn't need laws. But I also know that all your grandmas will probably have exposure to Bitcoin through an ETF. So this is for all your grandmas.
https://egodeath.capital/blog/too-big-to-fail-banks-amp-bitcoin-custody
Discussion
This. Stop trusting strangers with your life savings. Banks are retarded in the age of trustless money.