[ineptech]

The depositors were using SVB because SVB was willing to hand out loans to startups with no revenue that other creditors wouldn't fund, right? Using a less reliable vendor to get a better rate is a risk, whether that vendor is supplying labor or parts or banking services.

One could argue that the depositors didn't know SVB was unreliable, but that's kind of undercut by the fact that there was a run on the bank in the first place.