Exactly this. The degree of entitlement that the largest banks, with the largest homefield advantage in history, have over _your_ funds is insane. They have a majority near-total capture on deposits, and are using the risk of having to compete on rewards to keep customer's funds in accounts as a reason to further secure their dominance. It's literally as simple as: "stop blocking legislation, and start competing against ants that are daring to provide a better reward to people that you've been fleecing for decades." even simpler: "compete for customer business in the free market you absolute bozos"