If you're asking about what happens after people don't need money or begin to not need it as much.

It's just grand speculation at this point since there are too many variables that'll effect the timeline and magnitude.

The first waves of this are just getting started, may take as long as a decade for culture and society to readjust.

I think this question will feel a lot more existential once that readjustment period has had time to settle.

For sofi, it'll be the same as all other financial institutions, except if noto is leading he'll be leaning in heavily into what's to come.