Working theory on why they’re doing this. They’re not going to announce they’re coming for the accounts. Von der Leyen calls €10tn in household deposits “lazy savings” that must be “put to the service of European companies,” then talks securitisation and EU supervision. First layer: re-label your cash as unused European capital and build the pipes to steer it. Second layer is what happens if people try to pull the money. Banks haven’t got it in vaults... they lent it out. A mass withdrawal means fire sales, weaker banks fail, then emergency liquidity, ATM caps, capital controls, and possible haircuts above €100k. Access gets cut. That’s when the pitch becomes: use the digital euro, it’s safe, it’s at the central bank.And the timing is not random. They’re putting the finishing touches on the digital euro right now, the law targeted for the end of 2026, pilot 2027, issuance aimed at 2029. Holding limits, wallets they control, payments they can see.A freeze doesn’t free the savings. It damages trust in commercial banks and speeds the part that’s worse for ordinary people: moving the payment layer onto a CBDC they can cap and watch. Incentives first, plumbing second, crisis as the reason to tighten it, it's how they do this kind of BS!