This is a good pretty discussion of the issues (podcast) if you are interested. One of the takeaways is that this is an unintended regulatory effect from newer

This is a good pretty discussion of the issues (podcast) if you are interested. One of the takeaways is that this is an unintended regulatory effect from newer banking regulations https://news.ycombinator.com/item?id=21827424 https://news.ycombinator.com/item?id=21827424