I think they would totally take it, with all sorts of special terms. Also, they don't need to have a requirement to say they will get you all that cash immediat

I think they would totally take it, with all sorts of special terms. Also, they don't need to have a requirement to say they will get you all that cash immediately to keep the tether promise. Lastly, putting that money in bonds, index funds, and other such things scales well. The wealthfront example I used took on a billion in deposits in a short timeframe: https://www.cnbc.com/2019/04/23/wealthfronts-new-high-yield-accounts-bring-in-1-billion-in-just-a-few-months.html https://www.cnbc.com/2019/04/23/wealthfronts-new-high-yield-... To your first point, if you have another entity do that type of investments for you and present it as a bank account with a variable interest rate; then you can claim you have a 1:1 cash backing truthfully, even if the reality is different. If you just stored the money in a normal bank, the reality would stay the same.