The bank doesn't have to pass fees down using the same algorithm with which they were assessed, and they usually don't. The small guy gets fucked with regressi

The bank doesn't have to pass fees down using the same algorithm with which they were assessed, and they usually don't. The small guy gets fucked with regressive fee structure. >people seeing a bank fail will worry that their own bank could fai I feel more confident in my bank as it is compared to my bank minus a "special assessment" to backstop depositors at irresponsible banks.