“Interest” is not the same as “risk with investment.” You don’t open a savings acct and get told “you could lose this money.” You’re given a sold-to-you contr

“Interest” is not the same as “risk with investment.” You don’t open a savings acct and get told “you could lose this money.” You’re given a sold-to-you contract from the bank for a specific rate of return for the privilege of them being allowed to hold and work with your money. If one chooses to dep >250k - that’s on them.