so why would they care if a bank run happens or not? seems like a pretty good time to make adjustments for the long term.

exactly, the idea is for depositors not to care if a bank run happens or not, because the way that bank runs happen is that depositors worry that a bank run will happen

well we will see what happens over the next couple weeks. no prediction we make here is going to change it.

well, i kind of hope you're right about that

it's going to be a pretty interesting couple of weeks