Well it's $250k per depositor per bank, and you can have single and joint accounts which doubles it. You can have more than a million that is FDIC insured, and

Well it's $250k per depositor per bank, and you can have single and joint accounts which doubles it. You can have more than a million that is FDIC insured, and that's good enough for most people, and if you lose your money beyond that then to be honest people don't need more than a million to still live a comfortable life that you can "restart" from.