难道你不知道联储对大银行和中小银行的监管要求是不一样的？

2019年放松的监管恰恰是针对中小银行的，对大银行的监管没有放松。这就是没有一家大型银行去年发生危机的一个根本原因：

Internal investigations at the FDIC and Federal Reserve noted that deregulation, not subjecting medium-sized banks to high scrutiny, reduced enforcement of remaining regulations, and government staffing shortages weakened oversight and allowed mismanagement of banks to cause their collapse.

至于加密币对中小银行的冲击，这里的表述非常清楚了。在巨大经济利益的诱惑下，银行违规操作多的是。

As cryptocurrency prices dropped significantly in 2022, particularly so after the collapse of cryptocurrency exchange FTX, depositors in Signature Bank began to withdraw deposits in the tune of billions of dollars; by the end of 2022, deposits in the bank totaled around $88.6 billion, down from $106.1 billion in deposits held at the beginning of the year—a time when over one-quarter of deposits were held by digital asset-related entities.

最后，对事不对人，这应该是在大千发帖的基本原则。YMYD。