> What is irresponsible about placing cash on deposit at a regulated bank? What's irresponsible about under-insuring your business-critical equipment in an ins

> What is irresponsible about placing cash on deposit at a regulated bank? What's irresponsible about under-insuring your business-critical equipment in an inspected building that meets code? Answer to both is regulations can only prevent some failures, and the solution to unexpected failures is insurance, which the Free Market(tm) is adept at providing - and businesses should be paying for to keep all of their money safe, not the bare minimum afforded by the FDIC