The whole RTO kerfuffle is much much bigger than USAA.
Have you ever noticed how, especially since covid, many companies across multiple industries seem to coincidentally make dramatic operational decisions almost in sync? It's not a coincidence. And these decisions are not being made at the company level. They are coordinated by the largest racketeering operation ever constructed. In the case of RTO, it all has to do with Blackrock and friends wanting to manage the timing of the commercial real estate collapse, so they induce companies to impose Larry Fink's policy du jour.
Competition is dead. All publicly traded corporations and some notable private corporations too are all de facto franchises of a cabal of asset managers who control the shareholder votes by managing the funds you own in your 401(k). You hold the market risk for decisions they direct. And yes, that means all 401(k) plans are in massive violation of ERISA, because all the funds they offer are managed by managers who are violating their fiduciary duty.