Steve Jobs once said, “You know who shot the iPod? I did.” It was Apple’s best-selling product — and he killed it because he knew it belonged inside the iPhone. That’s leadership. You disrupt yourself before someone else does it for you. We did the same thing when we leaned into Bitcoin. That wasn’t comfortable. It wasn’t a consensus. It was a conviction about where the puck was going. Right now, banks have a choice. Innovate — shoot their own iPod — or lobby to stall the future. History is brutal to incumbents who protect yesterday instead of building tomorrow.