the secondlargest bank failure in us history might help the federal reserve do its job of tightening credit and slowing the economy to be sure the sudden collapse of the silicon valley bank unit of svb financial group ticker sivb wasn’t part of the fed’s plan but it nonetheless seems an inevitable result of ending the era of free money that funded not only the technology sector but also an array of other investments that suddenly have been made less viable by the prospect of shortterm rates approaching 5