As far as I understood it, the 10% which paid off made SVB into the type of bank it is today. They obviously made a bad move in 2020-21 in thinking the public

As far as I understood it, the 10% which paid off made SVB into the type of bank it is today. They obviously made a bad move in 2020-21 in thinking the public market was going to crash and what would happen to bond yields, but so did lots of people. If you think SVB is the only bank which is making high risk decisions to get payoffs, I would suggest you level up and look at what ALL these banks are doing. Faith in the system and long-term risk assessment isn't built into the mentality of banks which have so much invested in equity trading vs. boring deposits.