I know the mention of stablecoins triggers many, but aside the fiat nature of them for a moment: The most surprising thing to me is how we are going back to full-reserve banking.

Its not something I ever would've predicted 5 years ago, and the partial end of the "fractional reserve" system is itself a good thing. Of course fiat = trash money, but we are taking "trash money times 100" down to just "trash money" by removing the excessive fractional nature.