I am seeing a lot of attempts to argue in favour of major changes to banking because of what happened with Silicon Valley Bank. Although I see a chance that Congress might reconsider the lax regulations of regional banks in the same category as Silicon Valley Bank, it is going to be hard to get too much momentum for broad reforms. The actions of everyone involved was breathtakingly stupid, and it is going to be hard to replicate that level of stupid at any other bank of a similar size.
Things you cannot effectively hedge: systemic risk; stupidity; greed.