I wish I had some money in the bank because I would take it out and run.
FedNow is here because the banks desperately need our money to gamble irresponsibly. They already liquidated retirement plans, and people continue putting their money in them. The banks have failed more than once and people continue using them. WHY? They need us, not the other way around. I don't know everything, I don't even know a lot of things but I do know that in reality, we don't need banks.