I speak for myself when I say the following. As someone who has been involved in interest rate risk since 2010 and capital stress testing since 2014, this is scary. The framework that was built to protect you, the innocent economic participants, from the poor decisions that arise from trying to grow net interest income/margin every quarter in an attempt to please an unforgiving Wall Street, has been effectively neutralized. These institutions nearly destroyed the global economy almost two decades ago. They will do it again, and it won’t even be intentional. Most people have no idea about the complexity that exists in running a bank’s balance sheet and how quickly a bank’s balance sheet can deteriorate.