[JumpCrisscross]

> this was mere talk about a future product

Which is why something between slap on the wrist and massive fines is in order.

The FDIC and SIPC work through public trust. When a broadly-marketed consumer product sets a precedent for degrading that trust, it causes real harm. Robinhood grabbed users through marketing this affiliation and gained tangible value from it. The last thing we need is the next growth hacking scheme involving falsely marketing trusted affiliations before pulling the product, customer lists in hand.