[RandomLensman]

But in the future we can avoid such situations on deposits: Why should commercial banks be allowed to fund themselves via deposits? If deposits are inviolable, they really shouldn't be with commercial banks but rather with the Fed etc.

[koliber]

Banks are a business and they invest deposits. It’s the very idea of a bank. What SVB did was not foolish nor crazy. Somewhat less conventional and more risky, sure. But all the strong adjectives flying around in the media do not describe the situation properly.