The harder you push for software optimization, the more you work towards assembly, the universe of talent and knowledge transfer diminishes. The further you push software optimization, the closer you reach 0 humans available. Modern software development techniques help scale the universe of available developers at the cost of hardware.

I'm not sure about the insurance part of this. But most banks, SVB included, as part of their lending agreement for a line of credit require their customers to main 100% of their deposits with SVB. Spreading the cash to other banks is prohibited.

This destroys any business where the currency is time or the production of goods. Get ready for overnight 20% inflation or mass exodus of jobs to countries that still work 5 days a week.

A Saudi prince and chair of the Kingdom Holding Company, representing a country that does not have free speech and one in extreme global competition with the US, believes it's in his best interest for Twitter to maintain status quo. You're damn right the status quo of Twitter has more growth potential for the larger shareholder body than Musk's offer. Now ask yourself who else represents that larger shareholder body.