The sad truth is most people don't have enough money in savings for 4% vs 0.5% to make a material difference. The B2B stuff is tougher to "disrupt", due to cont

The sad truth is most people don't have enough money in savings for 4% vs 0.5% to make a material difference. The B2B stuff is tougher to "disrupt", due to contractual agreements, regulatory overhead, etc. Also not as sexy.