[gostsamo]

As the other commenter said, interest rates. When the rates are low, money are put in the economy and if there are too much money, people start using them for stupid shit like crypto and overhiring. When the money become too much, interest rates are increased to remove money from the economy and people need to optimize there operations, hence no crypto and firing people. SVB made the additional sin that in a too-much-money economy with almost no profits to make stupid risks for high returns which made them fragile. The fragility was exposed and a few days of HN discussion ensues.