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What if Nobody Asks for All Their Money Back All at Once?
Silicon Valley banks were marked to market insolvent as of likely three or four months ago. If you looked at just the total value of their assets and what you could get if you sold them all piecemeal on the open market, it will be less than their total liabilities. And so they would just to make it like super explicit because I'm the dumb one here. But so they were insolvent in the case that they had to sell everything at market value right now today. The problem becomes what if somebody notices and what if somebody starts a panic and all of your customers ask for their money back all at the same time.