The anger's earned but "be your own bank" isn't a policy position ... more like a bumper sticker. And it lets banks off the hook by making this sound like a culture war instead of what it actually is - an antitrust problem. 53 banking associations backed the CLARITY Act. The same bill that bans yield on stablecoins. They didn't even try to hide the math: if depositors can earn 3-5% on stables instead of 0.01% in savings accounts, trillions move. So they're asking Congress to make the competition illegal and calling it consumer protection. That's a lobbying disclosure you can read. Big banks don't care about community banks either - they're using them as a sympathetic shield. "Protect small banks" polls better than "protect JPMorgan's deposit base." Where I'd push back though: DeFi doesn't win by telling people to go bankless. It wins by offering products so obviously better that people use them without caring what's underneath. Stablecoins already proved this - most USDT users in emerging markets don't know or care that it's crypto. They just need dollars that work.