From my rather brief understanding of the SVB failure, it seems the loans the SVB were long-term but the deposits were short term. In other words, a run was in the works with this imbalance.

It is still amazing why the USA refuses to regulate its banks when it is obvious that the banks, when they have no overseers, get themselves into trouble.

Going back to your comment, we are more and more going back to some version of the manor lord who controlled much of his renters. There was an article a couple of weeks ago about modern-day version of the manor lord, but I seem to have forgot both its title and author.

Having free enterprise when many players have little choice is not exactly free entreprise.

We need a new system of governance to prevent modern manor lords.