[luckylion]

From what I understand: SVB offered below-market rates on loans and even personal financing for the founders of companies if you, in return, use them exclusively as your bank and put all your raised capital into an account with them.

You buy favorable rates on loans with the increased risk of putting more than the insured amount into the account.

When your house gets damaged in a flood and you've selected to insure it for $250k because that's cheaper, and you've knowingly built it in a floodplain, is the government still going to cover 100% of the cost of building it?