Fortune: And when regulators stepped in to save SVB and Signature Bank’s depositors, even those whose funds weren’t insured by the FDIC, consumers got the impression that “the big banks have something that the little banks don’t,” Stephan Weiler, an economics professor at Colorado State University, told Fortune—a near “guarantee” of a full bailout. That guarantee has made “the attraction of bigger banks pretty overwhelming,” he said.

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