Right, but gp was talking about people not businesses

no i wasn’t. i said an individual could easily have $250k in cash to show you that it is not a significant amount of money from a business perspective. nothing about what i said referred to keeping $250k in a non interest bearing account as being a smart decision for an individual

I'm confused then. What individuals keep 250k in cash? How does individuals have any bearing or relevance to businesses?

SVB is likely mostly business accounts.