Thanks for a thought provoking article. The cost of interbank borrowing has risen to the same level as in the Covid crash of 2020. The Fed created inflation and now is reaping what it sowed. The stocks of various regional banks crashed hard yesterday and trading had to be halted in several. It also appears that that many depositors of regional banks are sending their money to the too big to fail behemoths of Wall Street. Gotta be safe there? Lol