The Dude’s ‘4 check’ Banking reliability test:

1. Regulation and oversight:

❌FAIL on stability

2. Deposit insurance:

❌ FAIL FDIC insurance limits

3. Diversification:

❌ FAIL Bonds & Fiat (Fiat is worthless - fractional reserve lending, FED money printing “out of thin air”)

4. Monitoring:

❌ FAIL regulations, and economic indicators for better decision-making.