Apollo's chief economist is asking whether AI agents could trigger a bank run...

Apollo's chief economist is asking whether AI agents could trigger a bank run by moving people's money out of low-yield checking accounts into better options automatically.

That's a real concern for banks.

But the bigger question is what happens after the agent finds a better dollar yield. You're still holding dollars. Whether you're actually getting ahead depends on what those dollars buy when you spend them.

The debt problem doesn't disappear because you found a better rate.

Bitcoin has a predictable issuance schedule and a supply cap that doesn't change because a government borrowed too much.

We can already live on a bitcoin standard. Strike, River and Cash App let you auto-convert paychecks into bitcoin. Strike's Bill Pay lets you pay dollar bills from your bitcoin balance.

Now imagine giving an agent permissioned access to those services. You tell it what needs to be paid, how much to keep available for expenses, and to save the rest in bitcoin. It handles the coordination instead of you managing a collection of fixed settings.

Agents will help people get out of bad checking accounts.

Eventually they'll help people get their long-term savings out of the dollar altogether.

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