IMHO.. SVB was a result of absolute wreckless speculation management. Gobbled up bonds at an alarming pace with low rates and got caught with their pants down when the Fed raised rates causing the bond interest rates to rise and yields plummeted. Executive management could not manuevre their way out. Absolute atrocious management at all senior level positions. This is why they folded. There are other banks out there with same scenario, but they are few as compared to banking industry.

Bottom line. Abolish the Federal Reserve and our economy will flourish.