Customers who hold money at banks are not the problem - individual savers losing some cash savings is not systemic risk and substantial cash savings are rare an

Customers who hold money at banks are not the problem - individual savers losing some cash savings is not systemic risk and substantial cash savings are rare anyway after 10 years of zirp. Company bash balances are the problem here, which for any companies greatly exceed insured deposits and these cash deposits are required to meet payroll and other commitments if they are not making profit at present (most startups). Hundreds of thousands losing their jobs because of multiple bank runs is the risk at this point, because of companies unable to pay workers/services and unable to raise more money.