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According to the speech content provided by Hill in The Wall Street Journal, Hill clearly stated in the speech that FDIC's current handling of digital assets has 'inhibited innovation'. He believes that FDIC should adopt a more open attitude towards the use of cryptocurrencies and blockchain technology, and provide clear guidance on what activities are allowed.

At the same time, Hill also expressed his views on the issue of 'debanking'. He stated that the goal of the FDIC is to reduce the number of unbanked Americans, and it is unacceptable to deprive customers of access to banking services, including actions taken against cryptocurrency companies. The FDIC will absolutely not allow anyone, whether explicitly or implicitly, to demand that banks stop serving law-abiding customers.

Debanking refers to restricting financial services to specific industries, for example, some cryptocurrency companies have been refused services by banks due to regulatory issues, including opening bank accounts, deposits, and transfers.