From the bank’s perspective, uninsured depositors are essentially margin lenders who can call in their loan at any time. If your lenders are all from one espec

From the bank’s perspective, uninsured depositors are essentially margin lenders who can call in their loan at any time. If your lenders are all from one especially volatile and incestuous industry, you put yourself at especially high risk of experiencing a run and defaulting. You need to manage risk and investments accordingly. They took a high-risk position with eyes wide open and have collapsed as a result.