The point is that they won't assign the losses equally across all members. This might have no effect on large banks since they're getting more members from flee

The point is that they won't assign the losses equally across all members. This might have no effect on large banks since they're getting more members from fleeing regional bank members, and smaller regional banks to be less competitive. Maybe larger banks will cut marketing spend, and just keep fees low, or hike up fees on low net worth members to cut keep the top X%. They will most likely want to make this loss transparent to the users they want to keep, and banks have a lot of levers they can pull. Disclaimer: I work as a SWE at a neobank.