This is the reason on that traffic related infrastructure is so insane in the US: here we have evidence that roundabouts save lives, but the only thing the American can wonder is how fast they can get through it (to work no doubt).

How do you know that's the ONLY thing? Such a dumb fallacy.

You know what else saves lives? Outlawing the use of cars entirely. Why aren't you arguing for that?

In my experience building a fintech on Evolve this description of the relationship is incorrect. My customers have accounts at Evolve directly and are FDIC insured.

As to what that insurance covers that is indeed a different question.