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spidereater t1_jcnmpdw wrote

It completely makes sense. Outside of fraud or gross incompetence bank regulations should ensure banks remain solvent. Only when the economy is rocked dramatically will a bank fall and those factors will effect all the banks at the same time.

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SisyphusRocks7 t1_jcp877o wrote

Bank runs are confidence driven too. So occasional failures happen from incompetence or one-off circumstances. But when systemic confidence is threatened you get big clusters.

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newonetree t1_jcpuqc3 wrote

The white dots are also bank failures right? They contradict your claim that a bank failure has only occurred during times of systemic breakdown.

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spidereater t1_jcpy9ar wrote

The first sentence mentions fraud and incompetence.

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