The discussion question is this: from a public policy viewpoint (i.e., with an eye to the public good) and considering the two views just described, do you think that deposits funneled through a third-party fintech firm such as Apple Cash should be considered stable or wholesale? Explain your answer with at least two detailed reasons that use ideas from this course (6-8 sentences total). "Not sure" is also a valid view, but you still need to give two reasons that support it