so let's get this straight: VCs/startups are bad because they didn't scrutinize the bank's finances before putting money in it (how many businesses actually do this for their bank?). and they were somehow supposed to know that the bank was dodgy months or years before it actually became dodgy.

and they're also bad because one VC looked into the bank's finances, noticed a real problem, told people about it, and those people did the rational thing and pulled their money out.