I think we’re all getting the reasons for RTO wrong. It’s not just executives liking a certain work environment or a way to hold employees accountable. It’s a core part of their business. If real estate in overpriced cities is worth a lot less, JPMC’s own property, its assets, and so on are all worth less. What happens to JPMC if people with loans decide to stop making payments and just default because their property is worth a lot less than the loan? To prevent this, they’re trying to strengthen the RTO trend.