First of all, what about SVBs loan business do you consider "predatory"? The alternative business model would to charge customers to hold their deposits. I somehow doubt that would be very popular either.
Any usurious transaction is predatory by definition. Of course people don't want to talk about it. Someone submitted the wikipedia article about usury to HN about 12 hours ago but it got flagged apparently.
So you think banks should instead charge you to hold deposits? Would you use such a bank, if they promised to never engage in 'usury'?
Yes that's one possibility. Furthermore, there are ways to make money that are not usurious.
Why don't you go try to start something like that and tell us how your ideas work out in real life.