I had it in my comment initially and removed it. When the bank's deposits are several magnitudes more than the limit, I don't think that distinction will do any

I had it in my comment initially and removed it. When the bank's deposits are several magnitudes more than the limit, I don't think that distinction will do anything but muddy the waters. Even if each owner had all 14 types, they only get $3.5mil in insurance. And the bank has, allegedly, somewhere around $200bil in deposits.