I mean too little from regulators in the sense that capital requirements etc are obviously insufficient to prevent bank runs, contagion, etc. The Fed moved to protect depositors at SVB and Signature, and to essentially insure troubled assets, but this was too little too late to eliminate systemic risk in the total banking system. A possibly large number of small and mid sized banks may fail this year. I don't know if this is a good thing or a bad thing, and it might be both.

CBDCs are being tested now, and if there are cascading failures in the banking system, they may indeed be introduced sooner rather than later.