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Historically, Americans move into hedge assets like gold when there are banking issues. It's typically international financial troubles that drive foreign investors into treasuries. However, you're thinking in the right direction, because people try to move into lower risk assets.
The magnitude of US debt dwarfs commercial deposits, so a move into US Treasuries won't significantly impact the amount of purchases by the Fed. This is even more clear when you consider the fact that if too many people try to withdraw their savings the other banks will fail, because they don't have the reserves to support large scale withdrawals.
What does seem plausible, is that depositors losing an enormous amount of money might be taken as an opportunity to launch the cbdc: issuing them to replace lost deposits. I could also imagine a similar dynamic playing out with unpayable maturing treasuries.
It's not easy to find that situation, I guess. I have also had my share of boring, meaningless jobs that I couldn't wait to quit.
I bet @k00b enjoys working on SN the vast majority of the time.
Having to opt into being able to solve a simple mistake in advance is not a good user experience. It's asking users to plan their mistake and know to do so.
If always enabled privacy is somewhat better, because it leaks less information about the user wallet software and user habits.
Bitcoin settles on-chain. Settling in the mempool is not by design.
Bitcoin must be scaled up in layer and the current solution to small fast payments is Lightning.