>If depositors with deposits above the FDIC insurance limit _are_ protected then there will be nothing stopping this from happening repeatedly in the future. T

>If depositors with deposits above the FDIC insurance limit _are_ protected then there will be nothing stopping this from happening repeatedly in the future. The fact that is stopping this - is the fact that only people who are earning money on risky strategies - shareholders - are being wiped the first. Depositors are NOT investors and do not earn a premium on successful risky bank strategies.