My suspicion is that the banks and the government are trying to force all funds to remain in the banks in case there is a world wide collapse.
In other words, stop the preppers from hoarding cash that would otherwise be in the banks.
I think you would be right. They want all your money in the bank when the big haircut comes and its coming.
It’s not greenbacks they want to hoard, it’s the gold & silver they want to buy and squirrel away before the Dollar collapses.