22 Instead, it appears house prices are rising faster than income for many  20  See Matthew Desmond (2016), Evicted: Poverty and Profit in the American City (New York: Crown). See Lisa Dettling, Joanne Hsu, and Elizabeth Llanes (2018), “A Wealthless Recovery?
Second, we have also been told that banks have observed their deposits flowing to nonbank crypto-asset firms and, understandably, would like to stem that outflow by offering the services themselves. I certainly recognize and appreciate these challenges. But before a bank begins to engage in or offer crypto-asset-related services, it must seriously and carefully consider the risks involved—both to the bank and its customers.