Lot of people believe that bulk of account money (maybe up to 50 to 60 percent) is still existing, but with legal action....it could be two to three years to get that money back. For companies to survive and continue paying employees...they’d need cash flow.
I would imagine some type of massive Biden push...to loan 50-percent of value out, until these people get the final pay-off will occur (figure in the $100-billion range).
For the little guy, figure they will get their $250k very shortly.
A lot of this money is tied into fed bonds....paying at a crappy rate unlike the recent bonds which were much better rate.
I’m no expert on these matters, but it seems to me that the easiest course of action from the Federal government would be to have the U.S. Treasury buy all of SVB’s bond holdings out on a dollar-for-dollar basis. SVB’s custodian would then pay out all of the depositors in full, then sell off the remaining assets (cash plus loans on the books) on the open market.