What’s with all the bank runs and bank failures hitting the news these days? Why are all these banks in trouble? Are we by extension in trouble too? How should I protect my money? I've decided to join the bandwagon. More importantly, relate this to our situation in Singapore. Banking logic When we place deposits with banks, they “reward” us with interest. With our deposits, Banks are allowed to loan out a significant % of the deposit for profit. This % can range from 80-90%. This has always generally been fine as it's extremely unlikely for us to withdraw all our money at once. To provide some form of confidence, the deposits are insured up to a certain amount. The liquidity situation in the US With the painful effect of inflation, people are literally seeing their savings eroding away. FED has tried to battle this by raising interest rates, which makes it costlier to borrow and incentivises saving. Clients would compare their options and gravitate towards better rates. Eventua...