[eeeeeeeeeeeee]

I don’t think that’s accurate. It’s primarily to make it clear to people that securities can lose 100% of their value. There is no guarantee.

But cash in a checking account is not going to suddenly start showing negative returns.

The only example I can think of what you’re referring to is the new Betterment checking account which is basically like a security masquerading as a riskier savings account.