Sally Kohn: Unlike 2008, this is basically a bottom up failure where it's going to be the regional banks and the community banks that are under massive pressure. "The big four banks are just going to gobble up all these deposits," she says. If regulators had acted last week on SVB, they could have immediately stopped the run on the next set of banks; now we're in what Sunday?Kohn: The longer you wait, the harder it becomes and the more expensive it becomes.