BofA's Brian Moynihan just threw out a head-scratcher: he's bullish on the economy ahead, yet consumer confidence keeps sliding. That disconnect is pretty telling.

Here's the thing—when a major bank CEO stays upbeat about economic fundamentals while retail sentiment sours, you've got a classic case of institutional confidence battling public skepticism. Moynihan's reading sees underlying strength in business activity, employment, and investment flows. But on the street level? People are tightening their belts, cutting back on discretionary spending, getting nervous about the future.

This split tells us something important: there's a gap between what the macro data says and what everyday folks *feel*. And in markets—whether traditional or crypto—sentiment can move prices just as hard as fundamentals do.

So the real question: does the CEO see something the average consumer hasn't priced in yet, or is public caution a leading indicator that the optimism is premature? That's the million-dollar call.