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**What Would Steve Eisman Do: SVB **
The speaker suggests that if it had been up to them, they would have allowed Silicon Valley to fail and then guaranteed all the deposits. This, according to the speaker, would have solved the moral hazard problem. They argue that guaranteeing deposits would not have led to a situation where people withdrew their deposits, as proven by the fact that Silicon Valley was not guaranteed yet people did not pull their deposits out of those banks.