大概是這樣...

先看看FDIC 規定的程序

原來說25W以下的明天就能取，現在說

SVB depositors “will have access to all of their money starting Monday, March 13,” the government said in a statement, adding that taxpayers won't be responsible for any losses associated with SVB's resolution. 

無論是否 FDIC insured，明天都可以取款。而且說 taxpayers won't be responsible for any losses associated with SVB's resolution。

我估計是這樣：FDIC 看了 SVB's book 後判定 bank asset mark-to-market value 遠大於 deposits，當即建議出個 resolution，讓所有 depositor 明天都可以取款，平息市場不安情緒。但 insolvency 還是真的，也就是說 asset < liability。誰受損失呢？第一當然是 SVB 的 equity holder，股價歸零，第二是 SVB 的 creditor (including bond bonder)，估計也拿不回多少。