They don't want the stock to go to 0, but they don't want to miss potential returns either. When the FDIC will cover all depositors, investors (from a purely ca

They don't want the stock to go to 0, but they don't want to miss potential returns either. When the FDIC will cover all depositors, investors (from a purely capitalistic perspective) would demand to use as much of their capital as possible to maximize returns. As we've seen numerous times before in the past, a large quantity of investors is myopic and regulatory oversight often comes too late or after the fact.