Silicon Valley Bank (SVB) Failing and Bailout: The FDIC has insured all deposits in SVB. This step has raised several issues. The bigger question is whether, by saving big depositors from their own fecklessness, policymakers have encouraged future bad behavior. In particular, businesses that placed large sums with S.V.B. without asking whether the bank was sound are paying no price. Will this lead to more irresponsible behavior? That is, has the S.V.B. bailout created moral hazard?