The moral hazard risk you mention is real. But likewise no bank can rest easy for two reasons: 1) the lending programs setup to backstop banks (not depositors)

The moral hazard risk you mention is real. But likewise no bank can rest easy for two reasons: 1) the lending programs setup to backstop banks (not depositors) in the current situation expire in a year. Not all the bank supports can be expected in perpetuity. Regulators buy themselves time to assess true risk of payroll services, Fintech FOB, and the like. 2) Per recent history the first (Bank) victim may get a pass but not the second victim. Bear Stearns was saved, Lehman wasn't. A complacent bank bets that the moral hazard criers won't have the upper hand at the particular+unknown timeframe their bank needs a handout.