According to Nic Carter (@nic__carter), the FDIC's decision to make depositors whole during the regional banking crisis, involving crypto banks SVB and SBNY, was not favoritism but a necessary action to prevent a bank run. This intervention is crucial for traders to understand as it highlights the systemic importance of SVB to the US tech industry, which in turn affects trading strategies related to tech and crypto sectors. Carter emphasizes that the FDIC's actions were essential to maintain stability in the financial markets, particularly for cryptocurrencies tied to these banks.