Surveys of neutral hydrogen (HI), such as ALFALFA, consistently detect more HI-massive galaxies than predicted by semi-analytic models and hydrodynamic simulations based on Lambda-CDM. Standard models require efficient feedback (AGN and supernova) to suppress star formation in massive halos to match the stellar mass function; however, this feedback tends to overheat or expel the gas reservoir, resulting in a deficit of high-HI-mass systems compared to observations. The existence of these gas-rich massive galaxies implies that nature has a mechanism to maintain large cold gas reservoirs without converting them into stars or blowing them away, a balance that current simulations struggle to reproduce (Haynes et al. 2011; Maddox et al. 2015). SCT must explain how massive galaxies retain or acquire excess neutral hydrogen contrary to feedback models.