'Instead of propagating moral hazard, regulators need to come to terms with their own supervisory failures.' -BryanBashur
of 600,000 small businesses found that their median bank balance is $12,100 — far below the current $250,000 threshold.
Businesses can already have more than $250,000 insured. Depositors can utilize private sector alternatives, such asInstead of more government guarantees and regulation, simple bank accounting tweaks offer more transparency and could alleviate risks of bank runs. One betterWall Street Journal opinion suggests. This is less onerous and offers more transparency on the market value of longer-dated securities. It also provides gradual clarity to depositors as to the true financial performance of a bank instead of surprising them with news of devalued bonds.
The Federal Reserve has acknowledged that fully insuring depositors at Silicon Valley Bank and Signature Bank worsened moral hazard. According to the Government Accountability Office’s on the bank failures, Fed “staff raised concerns about exacerbating moral hazard and potentially weakening the market discipline of many depository institutions.”from 2010 found that expanded deposit insurance “could weaken incentives for newly protected, larger depositors to monitor their banks, and in turn banks may be more able to engage in riskier activities.
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