Tip: This is new to you. But ain't new to anyone that's been around the block a few times. Hint: Banking worked that way you think it should off and on for the

Tip: This is new to you. But ain't new to anyone that's been around the block a few times. Hint: Banking worked that way you think it should off and on for the last few hundred years and it always ends badly. Because fundamentally banks assets are held long while their liabilities are always short. The problem is mismanagement or changes in fundamentals, usually a bit of both can lead to a crunch. And that's just the way it is. And why banks are regulated and insured.