As if checking account insurance is effective altruism? And are you saying offering a neo-bank service involving skirting what's possible and passing the value

As if checking account insurance is effective altruism? And are you saying offering a neo-bank service involving skirting what's possible and passing the value on to customers isn't scrappy? And finally, did someone force you to move your money? Ethically speaking optionality and customer empowerment is good, and forced insurance is fraud.