2. Fed has been purposefully destroying money through its policy decisions. This is on purpose, because the Fed's only tool to combat inflation is to destroy money (either directly, or indirectly).
3. In regards to #2: Mortgage rates are higher, car loans are higher, etc. etc. People in practice have relatively lost a lot of money because of this and have to tap their savings. Note that this FDIC document has noted that somehow, we have less delinquencies right now. So it seems like Americans are remaining responsible and paying off their debts.
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Frankly, I'm surprised that "only" ~$500B of deposits have fled classic banks. People really should be moving their money to MMFs to take advantage of these much higher interest rates and the current Fed repo rate.