SVB Is One More Example Of A Governance Crisis That Seems To Be Only Foretold By Short Sellers, Despite Plenty Of Red Flags Hiding In Plain Sight

SVB was functionally bankrupt by July 31, 2022. Why then did no monitor in the governance system, other than short sellers (the management, the board, the auditor, the credit rating agency, sell side analysts, ESG raters) call SVB out earlier? What are the policy takeaways from this debacle?