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I guess I still don't understand... how much customer service do you need to run a savings account? How do you even screw that up?

Operating a savings account like this one should be close to just picking money off the free money tree. It's wild to think that it costs them more to operate this than the margin they take off it.

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You seem to think savings account do not get withdrawn against. If you take the customers cash to put into a T-bill but the customer withdrawals money before the T-bill matures, where do you get their cash from to honor the request?

Not everyone uses offerings in the manner the offerer expects. As software types, this is familiar territory. If you design a thing with only the happy path in mind while never allowing for that path not being followed, you’re in for a very rough time.

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