So on the bright side, I've been hearing about and even witnessed in one case people telling banks where to shove it when they think they're being overreaching.
On the dark/flip side, there's this specific number of banks and there's still a bunch of people screaming about how bad things can't possibly happen because they just can't (no other reason or explanation, "just wouldn't").
I'm simultaneously waiting for those people to flip and hoping that some of the alternate systems are able to handle them.