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Sorry but "... those products ... don't bear this risk of immediate liquidation" is wrong.

A bank can invest customer deposits in a lot of places but, according to the basic principle of DDA, it MUST let the customer withdraw it ON DEMAND (subject to business hours, functioning of online banking, etc.). It's the bank's job to arrange for liquidity. 

SVB did invest customer deposits in 10 year T-Bonds but it couldn't refuse customers to withdraw their money when they wanted. If only SVB could have told customers "Hey we've invested your deposit in 10 year T-Bond, wait for 10 years to withdraw it", it would not have failed in the first place. 

In all probability, the perpetrator of the fake news will be some rando fake news peddler with meager resources. The trick will lie in applying Drunk Under Lamp Post regulation such that you can nail the party that has enough resources to be able to discharge the liability - whether they were actually responsible for the fake news will be secondary:).

Unlike banks, social networks enjoy Section 230 safe harbor for content posted on their platforms, so it will be interesting to watch who finally is held liable for the fake news. 

Limiting deposits will reduce the size of bank balance sheet. Not sure how many bank shareholders will approve of that measure. 

IntraFi and Mercury are two fintechs who already offer Brokered Deposits / Sweep of the nature you've mentioned to move deposits across multiple banks.

As soon as news of SVB troubles began, T-Sec Janet Yallen was reported saying that Unlimited FDIC Insurance was on the cards. Two days after SVB troubles were bedded down, she was reported saying there was no plan for Unlimited FDIC Insurance on a blanket basis. 

Most measures have proponents and opponents in the banking industry, regulators and government. 

I'm guessing the other measures would require fresh law making in the Congress.

The big elephant in the room is withdrawal restrictions. With due respect to all the other measures, the only one really needed to prevent a bank run is placing a limit on withdrawals from bank accounts. While it will deal a big blow to people's confidence in the banking system, there's nothing much anyone can do if it's imposed by statute on all banks. The more regulators and public apply Drunk Under Lamp Post regulation on banks for APP Scam compensation, the easier it will be for banks to justify withdrawal limits as a fraud mitigation measure.

@RobinSetty +1. Well said. Branch is a major strength of traditional banks. Not surprisingly, neobanks rant against branches. By being the greatest source of competitive advantage for traditional banks, branch network is the biggest nemeis of neobanks.Sure branch costs money but banks are progressive and, by being revenue-minded, they have managed to be one of the most profitable industries on FORTUNE GLOBAL 500 list despite holding on to a substantial part of their branch networks. Just the Top 6 US banks generated over a trillion dollars in profits in the last decade. Wonder if neobanks even generated that many page views for their websites and apps in their entire history! 

Cardlytics, a provider of targeted offers technology for banks and financial institutions, claims to have over 2000 customers. That doesn't sound like Financial Institutions are missing out on personalization?

I claimed in my post entitled Secret Of Survival Of Bank Branches that branch is the best channel for sales of banking and financial products. Nice to know that's true even eight years later.

Ditto stateside per Financial Brand.

Kudos to banks for pushing back on the "Drunk Under Lamp Post" regulation used in APP Scam so far.

As I wrote in Fraud v Scam: Who Is Liable For Cybercrime, there are many parties involved in these scams, so it's highly biased and prejudicial to singularly hold banks culpable for them.

Either hold the consumer responsible beyond a point as I recommended in Three Strike Rule To Eliminate Cybercrime or, if that's too unpopulist a move for politicians to make, distribute the responsibility among social networks, mobile handset manufacturer, MNO, electric utility, and every other party that let the scam happen.

Based on similar logic, Forrester predicted the consumerization of corporate IT some 10 years ago. Still people keep whining about the UI and UX of enterprise applications.

Exhibit A: Home is not office. What works there doesn't work here.

Millennials and GenZ should learn to deal with it, otherwise they will be ones that will be left behind, a fate they wouldn't want to risk in these recessionary times when they have 100s of 1000s of student loans on their head.

tl;dr.

We've been reading rave reviews about ISO 20022 since ca. 2005. Hope it finally overcomes its Waiting for Godot moment and goes mainstream in the forseeable future. 

ISO 20022: Waiting For Godot Moment In Finance 

I wish WorldCoin enters into an alliance with UIDAI and airdrops 1B+ Indians this cryptocurrency for donating their iris - and fingerprint - scans for getting their Aadhaar ID.