I'd argue a big difference between 2008 and now is that in 2008 we mostly saw an institutional run on the bank after Lehman, i.e. money market funds and other b

I'd argue a big difference between 2008 and now is that in 2008 we mostly saw an institutional run on the bank after Lehman, i.e. money market funds and other banks not trusting banks and refusing to lend longer term than overnight. What we are seeing now is a retail run on the bank, the electronic equivalent of people hearing rumours on the street and queuing in front of branches (except now with twitter and their banking app). In some cases for good reason, others not so good. I think the difference is that retail depositors don't look at financial ratios (and shouldn't be expected to be able to understand them). So how do you convince them? One thing that is certain is that contrary to what the article says, none of the regulations introduced in response of the financial crisis helped. Higher capital ratios? Credit Suisse had 14% CET1 ratio and there was still a run. Higher liquidity requirement? Credit Suisse had over 200% LCR and there was still a run. Bailin? The swiss regulator judged that doing a full bailin of a large financial institution would be too disruptive to financial markets so only bailed in a small tranche of the CS capital stack (AT1). So what tools exactly are available to regulators that weren't in 2008?