Part 10/12:
A contentious point is whether venturers and investors contributed to the crisis by withdrawing funds en masse, influenced by social media and market rumors. Some blame the management of banks, especially those that invested heavily in long-term bonds assuming interest rates would remain stable, for taking irresponsible risks.
Others defend market players, stressing that their withdrawals followed the initial signs of trouble and that the regulatory agencies' delayed response exacerbated the crisis. There's an ongoing debate about whether the government should preemptively shelter all regional banks' deposits to prevent systemic collapse or allow a natural cleanup.