Banks aren't allowed to borrow infinite amounts of money from the Fed. If they could SVB would still be ticking.

They can borrow easily but it’s still a liability, right? I think people here the borrowing part and don’t know the liability part.

They borrow and repay with interest, so the don't borrow unless they have some use for the money that will return value to the borrower, and some profit to the bank, in order to repay the loan the bank got.