Modern bank-regulatory view

 is that the point of a bank deposit is that you shouldn’t have to worry about it, and that it is a failure of bank regulation if depositors of any size have “to actually give a moment’s thought to the riskiness” of a bank. 

Matt Levine Bloomberg 14 mars 2023 

https://www.bloomberg.com/opinion/articles/2023-03-14/svb-took-the-wrong-risks

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