The Great Depression. Except I said “outside their doors” when what I meant was “money they can’t lend”. My very bad.
Ah, fractional reserve banking. That hasn't been a thing for decades. Banks don't work like that. Money is just loans that haven't been paid back yet, mostly mortgages.
That's certainly an opinion.
Do tell me, please: why do banks care about getting deposits? And why did Silicon Valley Bank get into trouble, when depositors left?