80% backed by high quality liquid assets is pretty good. But insolvent banks avoid bank runs partly because lots of the money is sticky. Many people and organis

80% backed by high quality liquid assets is pretty good. But insolvent banks avoid bank runs partly because lots of the money is sticky. Many people and organisations won't participate in a run no matter what, either because they think it's antisocial, or they believe the system will look after them, or they just aren't informed enough. A bank whose depositors are all cynical speculators has a much harder job to stay afloat.