These aren't behaviors that add any value to society: > Depositors can continue to be callous in their financial behavior Depositors should be able to select

These aren't behaviors that add any value to society: > Depositors can continue to be callous in their financial behavior Depositors should be able to select a normal bank and put their money in without having to do a huge deep dive on the books of the bank. In this case the problem was with having too many treasuries or something? Why do we want a small business with $400k in the bank to have to figure out the bank's treasury holdings before they are able to start their ice cream store? Do we want them to have to open multiple bank accounts each time they hit $250k? How is that not just 'busy work' for a business owner (and thus raises the bar to entry for new businesses in the market)?