Idle observation...
We don't have to do the research to know whether our food is safe, or whether that person calling themself a doctor is qualified, or whether this apartment building will fall down. These are specialist fields, and we delegate. That's why regulation exists

And sure, if you decide to do speculative risky things with your money, you have some responsibility. But if a 10 person startup puts its money in a deposit account at a boring commercial bank, the CFO shouldn't need to do stress test modelling on its balance sheet

If this was 1900 and the model was 'banks go bust all the time, tough luck!' then sure, you need to model their credit risk. There are Reasons why the US moved on from that model - google 'The Great Depression'.

But the point of the last century of regulation (especially since 2008) is that we have bank regulators so you can put your money in a bank and not have to hire a banking analyst to tell you if it will be there tomorrow.