Most banks do not have this problem. The fundamental problem with SVB was that it was a bank that didn’t really act like a bank. Most banks don’t have a deposi

Most banks do not have this problem. The fundamental problem with SVB was that it was a bank that didn’t really act like a bank. Most banks don’t have a depositor base consisting of one specific type of class and industry, they’re typically diversified. Also, most banks benefit from rising interest rates and organize their offerings to capture the benefits of rising interest rates. SVB has to be one of the only banks in recent history to bet against interest rate hikes by investing heavily in interest-rate sensitive instruments. The whole thing was a risk management nightmare and they didn’t even have a risk management officer when they failed. No need to solve a problem that doesn’t exist for banks that know what they’re doing. SVB were complete idiots.