A last simple solution to avoid a run on the bank: allow SBD to vest too, and give the interest rate only to SBD that has been put to vest. This allows to convert short term debt into long term debt.
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A last simple solution to avoid a run on the bank: allow SBD to vest too, and give the interest rate only to SBD that has been put to vest. This allows to convert short term debt into long term debt.