WSJ opinion pages have been publishing a lot of great things on this front trying to show possible reasons for these failures: * https://www.wsj.com/articles/d

WSJ opinion pages have been publishing a lot of great things on this front trying to show possible reasons for these failures: * https://www.wsj.com/articles/deposit-insurance-encourages-bank-failures-risk-informed-discipline-interbank-market-reserves-interest-bailout-5f985d77?mod=itp_wsj&ru=yahoo https://www.wsj.com/articles/deposit-insurance-encourages-ba... - argues the FDIC and Fed encourages poor investment of money by banks. * https://www.wsj.com/articles/the-silicon-valley-bank-bailout-chorus-yellen-treasury-fed-fdic-deposit-limit-dodd-frank-run-cc80761e?mod=itp_wsj&ru=yahoo https://www.wsj.com/articles/the-silicon-valley-bank-bailout... - attacks the decision makers in the Fed and Treasury. * https://www.wsj.com/articles/president-biden-bank-failures-silicon-valley-bank-signature-bank-markets-white-house-fdic-deposit-insurance-fund-a5538900?mod=itp_wsj&ru=yahoo https://www.wsj.com/articles/president-biden-bank-failures-s... - argues the government is lying when it says it won't tax Americans to bail out these banks. * https://www.wsj.com/articles/barney-frank-signature-bank-failure-silicon-valley-bank-dodd-frank-congress-elizabeth-warren-d1588178?mod=itp_wsj&ru=yahoo https://www.wsj.com/articles/barney-frank-signature-bank-fai... - highlights Bernie Frank (of Dodd Frank) interviews saying the Fed has it in for crypto. * https://www.wsj.com/articles/a-proven-way-to-avoid-moral-hazard-receivership-certificate-modified-deposit-payoff-fdic-fed-8b74dc06?mod=itp_wsj&ru=yahoo https://www.wsj.com/articles/a-proven-way-to-avoid-moral-haz... - the FDIC should not fully pay our deposits beyond the limits. (Written by a former FDIC chairman) * https://www.wsj.com/articles/the-fdic-should-act-like-a-real-insurer-reciprocal-deposit-arrangement-spreading-risk-svb-moral-hazard-dac7e312 https://www.wsj.com/articles/the-fdic-should-act-like-a-real... the FDIC should act like a normal insurance company and base cost to insur based on risk. (Former currency comptroller and FDIC member) * https://www.wsj.com/articles/federal-reserve-michael-barr-senate-testimony-martin-gruenberg-silicon-valley-bank-failure-f16d23d8?mod=itp_wsj&ru=yahoo https://www.wsj.com/articles/federal-reserve-michael-barr-se... and https://www.wsj.com/articles/the-fed-absolves-itself-silicon-valley-bank-michael-barr-congress-federal-reserve-failure-2c675ba1?mod=opinion_lead_pos1 https://www.wsj.com/articles/the-fed-absolves-itself-silicon... say the Fed is deflecting blame from itself. The article basically blams the Fed for being asleep at the wheel.