The first few banks to fail did have some consequences on those responsible, but all the actions to make deposits whole are, in practice, making it it far harde

The first few banks to fail did have some consequences on those responsible, but all the actions to make deposits whole are, in practice, making it it far harder for the next layer of unsafe banks from getting wiped out. Imagine that the Fed guarantee for SVB had been put forward two weeks before it was. Would SVB shareholders and managers had received the same level of consequences? Any consequences at all? I am not sure of how big the difference would have been, but I would be surprised if it wasn't significant.