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> B/c of the above coupled with rules of "you need to mark to market" and "if value falls X% you have to sell", lots of selling happens in low liquidity environments and therefore prices fall more, the downward cycle begins

This is a _good_ thing. We don't want a house of cards that's so fragile as soon as it looks like it it's going to fall down, we pour glue all over it and prop it up with cardboard.

Assets need to fall in value so that the next guy can have a chance to thrive. Some bank collapsing is an opportunity for some of the younger folks to buy up a piece, or leave with a team and a book of customers.

We should have this happen regularly so that it isn't an earthquake each time.



It seems like there are limits, though. Do you really need to contribute to a flash crash [1], or is some longer time period okay?

Not getting triggered by a flash crash seems more robust, and getting triggered by it more fragile? Some of the time, anyway.

[1] https://en.wikipedia.org/wiki/2010_flash_crash


Flash crash came right back and nobody is suggesting settling intraday. But even if you had to check your books monthly, SVB would have had to recognize losses sooner and less catastrophically.




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