Your checking account probably pays you about 0.1%. A money market fund pays around 4%, which on $10,000 is the difference between $10 a year and $400. An AI agent could move that cash for you automatically, and Chase just made sure it can't. Multiply that across the country and the block makes a lot more sense. JPMorgan, Bank of America and Wells Fargo are holding $1.6 trillion of customer money that earns zero interest. If they had to pay 3% on it, it'd cost them around $47 billion a year,…