It's not, though. The banking system holds onto everyone's money in a fractional reserve system, if you let a run on the banks happen everyone's money is gone. That's "too big to fail".

If anthropic and openAI fail, the top 10% lose half their money in a stock sell-off. That's perfectly tolerable. Maybe congress bails them out anyways but they don't have to.

If they get bailed out with taxpayer dollers they better maje damn sure the taxpayers are getting immediate tangible benefits (as in cash or free mythos class AI every month at a minimum). Sama can go beg on the streets, we'll keep the tech.