The problem is, those that are over the insured max *are* the shareholders and bondholders. The paycheck to paycheck people, the ones using check cashing servi

The problem is, those that are over the insured max *are* the shareholders and bondholders. The paycheck to paycheck people, the ones using check cashing services, etc. are not banking, but what about them? The point is, those over the insured limits have the means, brains, etc. to avoid the risk. Yet they decided not to do so. Why isn't capitalism and Uncle Sam willing to educate them (i.e., teach them a lesson)?