Let’s be blunt. What toppled Silicon Valley Bank and Signature Bank in 2023 wasn’t just bad luck or a few panicky tweets. It was the willful negligence of a banking system drunk on hubris, oblivious to history, and addicted to cheap liquidity. The danger didn’t vanish when the headlines faded. It metastasized—like dry brush left to bake in the summer sun, waiting for the match.
Today, America’s regional banks are riddled with deposits that the FDIC will not save when the levee breaks. These uninsured balances are not an esoteric footnote. They are the loaded guns on the kitchen table. Remember: when confidence dies, capital follows—and fast.
