re: Silicon Valley Bank was bailed out with billions of dollars, who was held accountable?

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The American people pay with higher bank fees and rising interest rates for loans.....meanwhile the banks pay their depositors .75% interest on a savings account while the Fed funds rate is over 5%.
You’re clueless. The spread you’re talking about is exactly why SVB (and almost all TBTF banks) had a liquidity problem. The treasuries they bought pay less than the current inflation rate, so they can’t pay out cash until those assets mature. If you closed the spread, the situation gets worse and will require more bailouts.

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That's one reason why SVB failed. As rates increased depositors starting move out of traditional banking deposits and into money market funds. The tech industry money dried up therefore no new money coming in the door of SVB. Just matter of time before implosion.