> For example, imagine that I had $100 with Wells Fargo and $100 with Chase, and you have the same. By default, we could wake up tomorrow and find that I have $200 with Wells and you have $200 with Chase.

Does anyone want that behavior? The network benefits from it, but individual users don't. I'm assuming someone has weighed the costs and benefits of this behavior versus paying people for providing liquidity, and that'd be interesting reasoning to hear.