My employer didn’t conspire about anything. They didn't "conspire", per se. But they failed to do due diligence on the nature of the financial institution the

My employer didn’t conspire about anything. They didn't "conspire", per se. But they failed to do due diligence on the nature of the financial institution they were relying upon. Or even to think, for a minute, about fussy terminology like "FDIC insured" actually means.