AI Agents Could Trigger a Bank Run

Notes

Agents collapse the cost of time and effort and it's going to lead to some bizarre second-order effects.

There is a layer of businesses that can exist because something is too tedious, time-consuming or expensive for a human.

Maybe a good example of consumer agents. While I agree with @benthompson that consumers don't want to be more productive, they do want things to be cheaper!

Yano 🟪@JasonYanowitz

Fascinating.

Chief Economist at Apollo: agents could cause a bank run by sweeping household cash into accounts paying 3-5% instead of the 0.1% national average, causing banks to lose a large share of their cheap deposits.

Chart titled “Many fintech companies are offering higher yields,” with deposit APYs ranging from 5% to 0.1% across providers