>>>I can't sell my insurance to someone else unless I hand them my money but I cant see why i'd do that as it wouldn't make any sense and its certainly not an a

>>>I can't sell my insurance to someone else unless I hand them my money but I cant see why i'd do that as it wouldn't make any sense and its certainly not an arbitrage opportunity as the OP suggested. It's not an opportunity for an individual, it's one for a bank. You start SVB2, and say "we charge significant fees and insurance premiums, but also offer 100% deposit insurance, no cap". And then your entire existence as a bank is just as a front-end to those credit union deposits. edit: and yah, maxbond hit the nail on the head, it's not a real suggestion, it's a joke.