At what cost? What happens if the next bank run happens before the FDIC fund can be retopped off enough to cover depositor losses, even at the old 250k limit? H

At what cost? What happens if the next bank run happens before the FDIC fund can be retopped off enough to cover depositor losses, even at the old 250k limit? How are they getting backstopped? If they aren't, why did SVB's depositors get the special treatment? For that matter, who gets to explain to previous losers of money to the FDIC limit why they apparently weren't cool enough to warrant a full backstopping like these people? No credit for half-answers.