I get that the money goes brrrr attitude, but it's kind of silly. The FDIC holds an adequate deposit insurance fund, financed by banks who must buy FDIC insura

I get that the money goes brrrr attitude, but it's kind of silly. The FDIC holds an adequate deposit insurance fund, financed by banks who must buy FDIC insurance. It's over $100 billion dollars, which is enough to weather some major failures. With large failures, the FDIC may issue special assessments to maintain the fund at a safe level (they did this with SVB).