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SVB shows that there are few libertarians in a financial foxhole

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Re: SVB shows that there are few libertarians in a financial foxhole

#491
post #488

Earlier quoted context omitted.

Doing the bailout prevented the financial sector from being restructured through bankruptcy and market share reallocation. Systemically, it seems extremely implausible that preventing the normal function of the market, which incites good behavior and allocates capital to the best stewards of it, could ever be the right call.

The too big to fail financial market is already in a pathological state, it's too small, not enough competition, etc. Yes, just brushing things under the carpet is bad, but whatever restructuring would have happened in that chaos would not have been an improvement. It's unfortunately very much politics. For example see how the FASB tried to eliminate HTM accounting, but had to back down (and that chair resigned). Yet…

Maybe the restructuring would have been chaotic, and undoubtedly would have been painful, but it's the only way to teach market actors to behave.

If Congress had gotten out of the way, other capitalized parties, like Walmart, were ready to step into the financial sector to add some much needed competition in the wake of the financial crisis:

https://www.nytimes.com/2007/03/17/business/17bank.html

(archived copy: https://archive.is/aJC3Y)

Re: SVB shows that there are few libertarians in a financial foxhole

#492

Earlier quoted context omitted.

Banks don't lend out deposits though.

Except that they do... That's how banks make money. With interest. They lend it as mortgage or as T-bills lending it to the government. Just look at the balance sheet of SVB

You're talking about buying bonds as "lending to the government" which is a pretty odd way to describe it, but it still isn't the bank lending to clients, which creates new deposits and a matching loan asset.

https://www.bankofengland.co.uk/-/media/boe/files/quarterly-...

Re: SVB shows that there are few libertarians in a financial foxhole

#493
post #10

[flagged]

Wow that's beautiful.

Since the downvoters moved on to the next shiny thing, I'm paraphrasing it for posterity.

The poster I was responding to said something like: libertarians are like cats - fierce in their independence but utterly reliant on a system that they don't appreciate or understand.

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