The banking industry is a crucial part of the economy, but it is currently facing a crisis that could lead to collapse. The recent failures of Silicon Valley Bank and Signature Bank have caused shockwaves in the financial world, and there is concern that this is only the beginning of a larger, catastrophic event. More than 900 banks applied for the Bank Term Funding Program last year, and now they are facing the challenging task of paying back those loans. If one of these banks fails and cannot repay their loan, it could trigger a domino effect of repayment difficulties for other banks, leading to serious consequences and economic anxiety.