SVB's collapse is due to...

::checks card::

Remote work.

"Whether remote work led directly to a bank failure, or whether poorly-managed remote work was simply a sign of bigger problems at the company, we may never know. Either way, what happened at SVB will likely enter the broader debate about returning to the office."

https://www.axios.com/2023/03/17/svb-employees-blame-remote-work-for-bank-failure