The 2023 US banking collapse events—including Silicon Valley Bank, Silvergate Bank, and Signature Bank—remain crucial reference points in the regulatory debate. These major financial institutions failed under a specific regulatory environment that many argue created systemic vulnerabilities rather than resilience. The cascading failures highlighted tensions between deposit insurance frameworks, regulatory oversight, and the stability of banks with significant crypto and technology exposure. Whether current regulatory approaches adequately address these lessons continues to shape policy discussions and institutional risk management strategies in the financial sector.