Still think everyone involved with the SVB fiasco should have lost their money beyond the FDIC limit

Everyone is from somewhere. Cofounder and CEO of Pinata. https://www.pinata.cloud/

still mostly analog. patterns, builder, entrepreneur, analyzing your transactions since 2016

is it enough of a deterrent to bad behavior and moral hazard to penalize the operators and stakeholders of the bank? does it need to be both classes of participants (depositor and stakeholders) in the bank failure?

I think you'd agree it is common mindset that a checking account is risk free. society, etc.

If it blows up, that's on you.

FDIC has limits.

You know what they are.

You can protect against it by diversifying across banks and putting your funds under the FDIC limit.

That is the law and the way banks work.

By choosing to save a bank, you are validating bad behavior by the bank.