When the power grid goes down, bank cards become nothing but pieces of plastic. The moment ATMs go dark, the banking crisis begins—and it won’t last three days. What Schwab said in 2020 wasn’t a prophecy; it was a script. The question was never whether things would collapse, but whether, when they do, we’ll be able to tell if it was a natural disaster or someone flipping a switch. Maybe I’m wrong. I’ll wait to be proven wrong.