Well, I'd say everyone with more than 250k deposit didn't do their due diligence. And they might have asked the question, why the SVB-conditions were better than elsewhere. I would argue that's the idea of a free market, no?
I don't want to live in a world where I have to track down and personally inspect the factories and farms that produce my food.
If I deposit cash at a member bank that the government says is compliant with their rules and regulations, that should not imply any risk taking on my side.
If I use a payroll provider like rippling that uses SVB as their payment rails, I shouldn't have to worry about that.
If I use a service that goes under because they can't fund payroll because of a banking supply chain issue, that seems rather hard to due diligence.
If you honestly hold that position, I suggest you get a little bit of empathy for decision-makers. It will make you a better member of society.
And yes, to add insult to injury there is people offering the service of splitting up your cash between banks in a way which should give every startup enough leeway to "make payroll" for some months (https://twitter.com/ddayen/status/1634925784271036417)... It just doesn't work with monopolistic structures and you can't bankrun it, when you feel like it, so maybe not as en vogue with our hosts?