Sam is a product of the corrupt tech venture/vulture culture, but is still a crook, and a very competent one. He knew the easiest way to rob a bank is to create your own. He is just pretending to be a babes in the woods. Before the Sarbanes-Oxley (when the "big 8 accounting firms", where reduced to the "final 4", we used to call this the "I don't know nothing about birthing babies defense." As for SVB here is my 2 cents: https://medium.com/@daneke/too-big-to-fail-just-got-smaller-we-are-no-longer-a-nation-with-banks-but-banks-with-a-nation-31fc0e5cd34b