Michael Hiltzik: The Silicon Valley Bank collapse is Silicon Valley's problem, not yours

All banking crises throughout history have shared a common element: Short-term depositors try to withdraw their money from institutions locked into long-term assets.

When all the depositors try to get out at the same time, the result is an old-fashioned run on the bank. The bank can either dredge up the money to pay them, in which case the crisis passes, or it can't, in which case it fails.

These crises tend to take on the coloration of their contemporary landscapes. So say hello to Silicon Valley Bank.

This Santa Clara, California-based lender to Silicon Valley startups was , which turned