High interest rates. They built up the entire industry on the concept that they would have access to cheap capital forever. Now they don't, so they're squeezing their userbases -- who they've already been squeezing even with low interest rates -- from absurdly greedy to Saturday morning cartoon villain.

That, and probably investment in commercial real estate, which of course tanked because of WFH, which is also why so many companies are forcing people back into the office.

You mean we can just do what we want and nobody will stop us?