I don't have >$250k in the bank so I'm not doing anything differently. I have some assets outside of banks (the usual suspects) in the unlikely event of a total

I don't have >$250k in the bank so I'm not doing anything differently. I have some assets outside of banks (the usual suspects) in the unlikely event of a total failure across the banking industry. Although if something at that scale happens I wouldn't be surprised if most of those went kaput as well, in addition to general civilization collapse. But not all (because some of those assets don't rely on companies existing or not).