What Is the World as It Should Be?

Most banks in the US are not financed with uninsured deposits they're all mostly going to be fine. The Silicon Valley bank isn't just that it was illiquid it's that its company is not individuals right or what no uninsured deposits means in everyone gets access to when you have open a bank account. What I want to see is some market discipline in the system right so banking is inherently a public enterprise which is why we have deposit insurance and lender of last resort facility.