(1) It won't raise the rates unless it amounts to an increase in net risk to banks. This is actually the first bank failure in several years (we've had a very o

(1) It won't raise the rates unless it amounts to an increase in net risk to banks. This is actually the first bank failure in several years (we've had a very oddly quiet period), so despite its size, it may not change much. (2) Because there are an enormous amount of regulations governing how a bank has to manage its reserves. SVB erred within those regulations and helped push for loosening of them for banks its size, but there are still a lot of constraints designed to minimize the chances of failure. And (3) because your bank _disappears_ if you go into receivership, you're out of a job.