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Notes -
Banks can't take risks like that because if they fail they lose depositors money, not just their own. Without FDIC insurance that would mean a bunch of people losing their life savings even though they didn't personally make risky investments. There are regulations to prevent banks from making risky investments.
If venture capital takes that risk and fails it doesn't create wider problems to the financial system. Only the firm and possibly a few individuals go bankrupt.
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