it is really starting to heat up

The whole point is to destroy any decentralization left in the system, namely by getting rid of the regional and local banks. After everything is consolidated into a few big players (BoA, JP Morgan, etc.), a deal can be cut for CBDCs and other financial control that allows the bankers to get their cut and governments to get the control they desire. Insidious and disgusting, but all controlled.

Controlled demolition.

Consolidation in the banking industry enables CBDCs. Majority to seem to think everyone will have accounts directly with the Fed, but I suspect accounts will still be provided by intermediaries and shareholders of the Fed, like JPM. They can build better more gamified UX, as awful as it will be. Consolidation is the planned descent into the abyss.

Banks with commercial real state exposure

Why it's called bank failures? When 3 big ones fail at same time something else must be going on