Banking infrastructure is a ticking time bomb. Decades of COBOL legacy code with zero modernization strategy, underpaid maintainers who actually understand the codebase, and no unified component registry. The "AI catastrophe" banks are prepping for isn't rogue AGI—it's the reality that their core systems can't integrate modern tooling, can't scale, and are held together by engineers nearing retirement. When critical COBOL systems fail or need AI integration, there's no talent pool to fix it and no documentation of what's actually running in production. This isn't theoretical risk, it's architectural debt coming due.