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The biggest reason for the instability is because banks have extended themselves too far with making loans with your money.

Hopefully they can be unburdened by what has been. Values, you know.

I disagree with you on that one. The loans aren't the issue. The SVB collapse showed that the biggest problem is the bank's reserves. Many of these banks invested heavily in long-term U.S. Treasury bills and mortgage-backed securities over the years. With interest rates much higher today, those fixed-income securities have lost a lot of value.

Prepper Ping - 94 US Banks Burdened by Uninsured Deposits – Risk of Bank Runs
Your money during the Biden/Harris years, but we still can't call it a recession
It is a question of banks having liquid currency assets vs loans outstanding for banking - yeah,..sure. The government will fix it, ..right ?

Jonty30 :"The biggest reason for the instability is because banks have extended themselves too far with making loans with your money."

Delta7 :"..Truist is in trouble.
Please read ALL your account disclosures,
USAA just had some concerning changes in withdrawal “ rules”.
It’s coming."

”A new study by Florida Atlantic University believes that 94 separate US banks are facing a significant risk of bank runs.
The at risk banks have all reported a 50% or higher ratio of uninsured deposits to total deposits.
Basically, they simply do not have the hard currency to shell out in the event of a panic. “

” Banks currently limit cash withdrawals under the pretense of money laundering and security.
They will ask all sorts of questions if you even TRY to withdraw your money.
They realize we are on the verge of a crisis in banking on a global scale. “

”The University’s Liquidity Risk from Exposures to Uninsured Deposits index found that BNY Mellon and John Deere Financial have a 100% ratio of uninsured deposits,
followed by State Street Bank (92.6%), Northern Trust (73.9%), Citibank (72.5%), HSBC Bank (69.8%),
JP Morgan Chase (51.7%), and U.S. Bank (50.4%). “

”The Federal Deposit Insurance Corporation (FDIC) has the power to shutdown a bank before a bank run occurs.
The FDIC is controlled by Congress and acts as a safety measure to protect insured deposits in the event of bank runs.
Deposits over $250,000 are not insured nor are mutual funds, annuities, life insurance, bonds, or stocks.
Uninsured depositors have experienced a mere 6% in losses over the past 16 years..”

”The FDIC relies on the Deposit Insurance Fund (DIF), which is backed by Washington.
Now, what happens when multiple large banks fail?
It was easy for the government to write off a few banks to brush the severity of the situation under the rug.
If everyone tried to withdraw their accounts at the same time, the government would not have the hard currency to back it.
This is one of the major reasons that we will see a conversion from hard currency to digital. “( Emphasis Mine)

”I have stressed that studies in ancient times as well as modern show that during a crisis you head toward DEFLATION as money becomes scarce,
the VELOCITY of money collapses, and people HOARD wealth – they do not spend it.
The US will experience a period of stagflation as GDP will decline as inflation soars.
Banks will begin to fail in Europe before it becomes a global contagion.”

(My Comment) : This is one of the reasons why commercial and neighborhood banks want to create digital currency.
They simply don't have the hard currency assets to cover a possible run on the bank.
The banks don't have the hard currency and the government would be more than happy to shift into digital currency which the government will control
and thereby control the spending habits, commercial enterprises, and digital currency availability to the populace.
In other words, government control of national assets.
Now ask yourself, do you trust Congress and government with your total resources, especially as exemplified by the last three and a half years Federal balanced budgets ?

Indeed who says incompetence reaches the top when nobody is looking.