[MiscIdeaMaker99]

I see it as a self-fulfilling prophecy.

People perceive their bank as unsafe (whether it is or not), so lots of people start withdrawing their funds, and suddenly the bank fails because it can't fund those withdrawals.

It reminds me of the toilet paper shortages here at the beginning of the pandemic. People heard about others hoarding toilet paper, so they started doing it, and before you know it we had a huge national shortage for a while. Some folks had none or little toilet paper -- while others had tons. I knew some assholes who did that, and bragged about it like they got one over on everyone else.