First -- I don't get this distinction between "banks" and "MMFs". MMFs hold various bank securities, usually, right? If "banks are failing", why would MMFs be a

First -- I don't get this distinction between "banks" and "MMFs". MMFs hold various bank securities, usually, right? If "banks are failing", why would MMFs be any better, except for diversification? Second -- this talk about "MMFs" doesn't distinguish between different kinds of MMFs. Some hold Treasuries. Others hold other Treasury obligations, or government debts. Most hold stuff from banks. How can you generalize across all these? Third -- how can an ordinary person get the repo rate? Are there funds full of only these agreements? That do nothing but roll them?