Good question. Looks like technically, you are a shareholder and get dividends instead of interest for a "share draft account" [1] which is backed by share insu

Good question. Looks like technically, you are a shareholder and get dividends instead of interest for a "share draft account" [1] which is backed by share insurance. [2] I don't understand how that can work as risk capital. Maybe it just isn't. [1] https://www.investopedia.com/terms/s/share-draft.asp https://www.investopedia.com/terms/s/share-draft.asp [2] https://www.ncua.gov/support-services/share-insurance-fund https://www.ncua.gov/support-services/share-insurance-fund