I have been keeping my funds in a Fidelity Cash Management account, invested in short term treasury (SGOV). 

Pre-GFC, private US banks created the lion's share of new US dollars - M2, but since then the majority each year is made by Treasury Dept/FOMC, which is insensitive to interest rates, unlike a private bank and the private clients who debate whether to take out a loan at X %.

Treasury yields have risen from recent lows as well amid slowing expectations for Fed easing.

Just like then, you couldn't convince people that the scheme wasn't allowed, Until they lost 50-75% of everything to Treasury. 

But e-commerce has been around for several decades now and continues to grow.”In the lengthy “Marco Santarelli” YouTube videos, he explains that small business lending through promissory notes generates higher returns for investors than treasury notes, hard money lending, and real estate trust deed notes ( Link, at 29:42).

Once the relevant (duration) treasury goes above your mortgage rate, I have always found banks open to waiving prepay penalties. 

There is an exception for short-term rentals (under § 280A(f)(1)(B) and § 1.280A-1(c)(2) of the tax code and treasury regulations)....

The shift from an explicit to an implicit guarantee raises valid concerns, but the potential for improved efficiency and innovation could result in lower borrowing costs for consumers.The GSEs have repaid their Treasury support multiple times.

I mean look, there is a reason why treasuries are such a low return, AND why many investors still invest in them. 

US Treasuries will not see their credit rating improve, and will, within the next 12-24 months get another (small) downgrade, inching up treasury yields.