The crypto bill is stalled because banks won't back the White House compromise, because they don't want to compete with DeFi. Why should someone deposit into a bank when they can earn 4% on stablecoins? These are the same banks that close accounts for Bitcoin businesses. They don't fear crypto. They fear transparency they can't control. The banks built a moat around finance and called it "consumer protection." The central bank monopoly is coming to an end, they’re just trying to delay the inevitable.