Taxpayers as such are not going to pay one dime to cover what would otherwise be losses to depositors at Silicon Valley Bank. The FDIC bills the actual cost of

Taxpayers as such are not going to pay one dime to cover what would otherwise be losses to depositors at Silicon Valley Bank. The FDIC bills the actual cost of deposit insurance to banks, not to the federal government. It is a cost of doing business, and not a particularly large one either. No one should expect bank fees to change very much to cover losses like this. Borrowers might have to pay slightly higher interest rates and that is about it. Compared to the other causes of high interest rates it is hardly worth worrying about. Rounding error territory. The prospect of severe losses to uninsured depositors in the event of a bank failure is a much worse problem.