IMHO, I need context for the risk numbers they’re throwing around. I don’t have enough information to make a call one way or the other.

What should a healthy bank, that is doing right by its clients, have in reserve? What does the trend line for reserves look like? What is going to happen if banks are sitting on a bunch for foreclosed office buildings that are cheaper to demolish than to redesign into housing? If banks take a giant unexpected loss on a formerly safe investment, what does that do to the other customers using other financial products?