Your money will never be safe if it is above the amount your government guarantees. A lot of banks do not offer this protection because they do riskier investments and Silicon Valley bank was one of the banks that provided riskier banks and that is why they have not been around as long as some other banks but it is why they are getting bailed out already. I know they have been around for multiple decades but they are not a secure bank when they offer risky loans to start up companies but every bank is risky and they are getting more risky with the living costs rising.