• The collapse of Silicon Valley Bank and Signature Bank is an example of a bank run, causing a crisis in the banking industry.
• US President Joseph Biden promised to take action against those responsible for the crisis.
• The founder of Galaxy Digital, Mike Novogratz, warns of a recession and credit crunch, caused by banks limiting lending activity to rebuild their capital bases.
• Bill Ackman predicts more banks will fail despite US government intervention.
• It is suggested to invest in multiple reliable banks with a diversified portfolio.

The article discusses a negative situation in the banking industry, with banks collapsing and warnings of a recession and credit crunch. However, it also provides suggestions for securing funds and acknowledges government efforts to restore trust in the banking system.