According to both of them that’s what sank them and not the blatant shenanigans going on.

If there were more of a delay, like the maturity rate of whatever bonds, SVB would be fully functional today.

FTX, as long as nobody looked too hard they probably could have lost the few billion they had left while keeping everyone happy.

Bank runs… always blame the customers.

On the flip side, think about all the old people that initiate transfers to various scammers and get stopped by the bank.

Making things faster will be good for some people, bad for others. Not clear if better on the whole.

It’s also probably better to keep it slow to prevent impulse decisions (let me put all of my money into dogecoin, it’s mooning now)