I would pick Wealthfront over Ally since it acts more like a checking account than a savings account. Still FDIC insured. 4.3% APY

I’m on my 15th card of 2022 and I’ve gotten back around $20k in value from sign up bonuses. R/churning is definitely valuable to many who do it

The only thing that people have been forced to do is live under the tyranny of car dominated infrastructure, which has been the determinate cause of suburbs without density and the loss of connected communities without even mentioning the overwhelming cause of climate change