So, what's the point of having an explicit insurance limit? Any account used for business operating expenses needs to be mandated to have premium insurance on

So, what's the point of having an explicit insurance limit? Any account used for business operating expenses needs to be mandated to have premium insurance on it. That same insurance should be available for all depositors. The next time this happens if you do not have that insurance you receive your receivership certificate and wait for your dividends. Like everyone else.