Leftover coins used to bother me. Not any more.

I usually use them first on my next transaction and then charge the remaining to my credit card .

That way no fees to exchange coins

Should Tesla be marked as a state affiliated company ?

What happens if you receive government funds and grants in prior years?

Who decides these definitions :)

Just search for insured cash sweep accounts

There are many many banks that offer this . It doesn't even have to be a TBTF Bank

Infact, SVB itself offered and those funds are protected

https://pilot.com/blog/svb-faq

What about my cash sweep account? So, here’s the good thing about the cash sweep account: the assets held in the cash sweep account aren’t bank deposits or on SVB’s balance sheet—they’re held by a third-party custodian. So our understanding is you should be able to recover 100% of the funds there, regardless of what happens to the uninsured deposits at SVB.