One thing to remember about your last point is that the startups and VC’s that DIDN’T cause the bank run are the ones that will be hurt by this. So if anyone is

One thing to remember about your last point is that the startups and VC’s that DIDN’T cause the bank run are the ones that will be hurt by this. So if anyone is in here thinking “they shouldn’t have tried to withdraw their money, thereby creating a bank run, if they didn’t want to lose their money!” You have to realize that there two separate groups of people here: the ones that withdrew their money and caused the bank run, and the other ones that didn’t cause the bank run and lost their money. That said, I don’t blame anybody for causing the bank run. If I had a reason to believe that my personal bank might not be able to give me my money if I didn’t get it out right now, there is zero chance that I would leave my money there to vanish just to avoid causing a bank run for other people. Morals break down when my life savings and livelihood are on the line.