I have not kept more than 2 months worth of cash in my bank for 15 years. I find it hard to believe many people keep significant amounts of cash in banks anymore. Are there even balances that could outflow to stablecoins? Who keeps piles of cash in a bank while you could hold stocks, mutual funds, bitcoin etc. Stablecoins aren't a threat at all, unless a new kind of bank appears that replaces trad banks in utility by using a stable coin.
That's nice, but if you think you're typical you're wrong. Most people can't seem to keep that much cash in the bank. The median transaction account balance (savings, checking, and money market accounts combined) is $8,000. The average is much, much higher, which means that the values below median are pretty small, and about 59% of Americans couldn’t cover a $1,000 emergency expense from their savings in 2025. Someone who can't come up with a kilobuck for an emergency isn't going to be playing the stock market or speculating in cryptocurrencies, or taking fancy vacations.
You appear to be doing pretty well, but "2 months of cash" doesn't sound very liquid. Tell me what you do if you want to take a nice expensive vacation like a European river cruise, where air fare, hotels (for the 3-night pre- or post-cruise stay), the cruise itself, and incidental expenses for a couple can easily top $20,000. Do you sell off some investments? If the market's down, do you postpone?