If you are a business owner with a payroll, it's your #1 responsibility to make sure that you can meet your next payroll or two. But having all your 'payroll #fiat cash' in one bank is NOT prudent. Yes, spreading your payroll cash among several different banks is a good first step, but ultimately, you will sleep better if you have very liquid reserves that are safeguarded by the most secure ledger that will ever exist and one that is outside the banking system. #bitcoin 

These are the banks that FAILED, closed shop, in 2023:

- Silicon Valley Bank
- Signature Bank
- First Republic Bank
- Heartland Tri-State Bank
- Citizens Bank

You may be thinking ... but all these banks were acquired and depositors were made whole. True.

But, the disruptions to the businesses that had deposits in these banks are still being felt. Many businesses could not make several payrolls on time, the excuses were valid but inexcusable. When it comes to not making payroll, excuses are never acceptable.

Oh, but it won't happen again! Are you sure about that?  Google:  New York Community Bank 

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