In recent years, the financial landscape has become increasingly fraught with uncertainty, as the frequency of bank collapses has escalated to unprecedented levels. Once considered a rare occurrence, the failure of banks—particularly regional institutions in the United States—has morphed into a concerning pattern that threatens to destabilize not only the domestic economy but also the global financial system. The shockwaves from the collapse of several regional banks last year reverberated across the nation, serving as a stark reminder of the inherent vulnerabilities within the banking sector. These failures, which included high-profile institutions that had weathered previous economic crises, suggest a…
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