The US financial system is now like walking a tightrope — it looks stable on the surface, but internally it is under significant pressure.

On one side, the high interest rate policy continues to suppress inflation, the US dollar remains strong, and a large amount of capital is still flowing into US assets. But on the other side, the government debt is enormous, fiscal deficits are expanding continuously, and interest rates remain high for a long time. These factors are driving up the financing costs for the government, businesses, and even ordinary people.

The condition of the banking system is even more complicated. Large financial institutions are doing okay, but small and medium-sized banks are different — facing liquidity shortages and pressure on their balance sheets. The stock and bond markets are also volatile, with investor expectations for rate cuts rising and falling unpredictably. Risk appetite switches frequently, and volatility on both sides increases.

In simple terms, the US financial system is increasingly dependent on the continuous inflow of global funds and trust in the US dollar’s credit. But the fundamental structural contradictions have never been resolved. Because of this, smart capital is beginning to consider diversification strategies — gold, crypto assets including BTC, have become tools for hedging systemic risks. This is not a passing trend, but a rational choice in the face of uncertainty.