[chernevik]

Anyone interested in such a thing would just keep their money in T-bills via a money market fund. Fast access, zero credit risk, but there is the hassle of sweeping/topping up the bank account used for transactions.

I understand many banks offer "insured sweep" accounts that do just this but of course this costs them cheap deposits. Go ask the various VCs why they didn't press SVB to make this service available to their portfolio companies.