It sounds like a useful and important product (if perhaps duplicative of extant offerings) but I'm afraid the government has blown up your market. All one has

It sounds like a useful and important product (if perhaps duplicative of extant offerings) but I'm afraid the government has blown up your market. All one has to do now is bank somewhere that "everyone thinks safe". So long as the community sharing this belief is sufficiently large and politically connected, the government will underwrite their belief. Questioning the groupthink is for risk nerds.