Good read on the SVB and CS failures.
https://www.nakedcapitalism.com/2023/03/fed-central-banks-created-the-current-crisis-and-are-on-course-to-making-matters-worse.html
The best solution according to William Dudley (GS and Fed alum):
The only remedy in all the years I have read about that might have a real impact quickly creates real skin in the game. It proposed by of all people former Goldmanite, later head of the New York Fed William Dudley.
Dudley recommended putting most of executive and board bonuses in a deferred account, IIRC on a rolling five-year basis. If a bank failed, was merged as part of a regulatory intervention, or wound up getting government support, the deferred bonus pool would be liquidated first, even before shareholder equity.
Skin in the game would do a lot more to curb reckless behavior than complex new rules. Of course, Dudley’s proposal landed like a lead balloon.