This is harder to discern with Apple Pay since there’s now an Apple savings account backed by Goldman Sachs, an FDIC member
https://www.nerdwallet.com/article/banking/apples-new-4-15-a...
https://www.nerdwallet.com/article/banking/apples-new-4-15-a...
I'm thinking that worrying about Apple going the way of SVB isn't much of a risk.