What If Everyone Tried to Withdraw Their Money at Once?

Your bank doesn't keep your money in a vault with your name on it. So what would happen if everyone showed up to take it out on the same morning? We start on a made-up street with a made-up bank, then follow the real mechanics: what a deposit actually is, why a bank can be solvent and still run out of cash, how a run feeds on itself, and how Silicon Valley Bank went from business as usual to closed in about two days in March 2023. Then we look at the safety net built after the 1930s, and what it does and doesn't cover. This video is educational and isn't financial advice. Maple Street Savings is fictional; simplified diagrams are labelled on screen. CHAPTERS 0:00 A line outside the bank 1:02 What a deposit really is 2:40 Two kinds of trouble 3:48 How a bank run works 5:11 The run that happened online (SVB, 2023) 8:02 The safety net 10:13 Back to Maple Street