Is the ten year yield predictable?

Sure looks like it. The blue is the effective rate paid by DC, interest costs/debt.  The red is the ten year yield. This looks like pretty good pricing by the debt cartel.

Why has the yield dropped? Because the economy has fewer tasks over time, more of the economic effort goes into paying debt service fees.  Not much error in that.

So how does banker bot work in this environment?

Banker bot manages supplemental digital coupons for any connected set retailers or set of firms. The digital coupons do not replace the dollar, they just supplement prices to isolate and stabilize inventory variances for the connected distribution network. Walmart, Safeway, utility companies, will all have these digital 10% coupons in which banker bot manages the savings and lending rates. The smart card uses these as part of the purchase price at the checkout counter.  The net result is that the entire 70 Trillion derivative industry is replaced. The interest rates on the tax dollar will then represent the variance in taxes.

Even the large states, like California, will have supplemental tax coupons which isolate the variances in the state government from the variances in central government.