Coinbase seems to be taking steps to have enough liquidity at all times. So they don't lend "or take any action" with user funds unless the user explicitly inst

Coinbase seems to be taking steps to have enough liquidity at all times. So they don't lend "or take any action" with user funds unless the user explicitly instructs them to. > The vast majority of Coinbase client cash is stored in FDIC-insured bank accounts. When a client has a large dollar balance, Coinbase stores their cash in a U.S. government money market fund to keep it safe and liquid. Like all assets on Coinbase, we hold client cash 1:1 and your assets are your assets. We do not lend or take any action with your assets unless you specifically instruct us to. "How is client cash stored at Coinbase?" - https://help.coinbase.com/en/coinbase/other-topics/other/client-cash https://help.coinbase.com/en/coinbase/other-topics/other/cli... Doing something like you describe what also be a huge risk, what happens if USDC falls to 0? Everyone lost their funds? I'm sure there would be countless lawsuits if that was to happen.