> general tax payers FDIC isn't taxpayer funded though, right? It's funded by insurance paid by banks. Personally I haven't given a dime to a bank my whole adu

> general tax payers FDIC isn't taxpayer funded though, right? It's funded by insurance paid by banks. Personally I haven't given a dime to a bank my whole adult life other than mortgage interest, so I'm confident saying I'm not bearing the cost of FDIC covering depositors. > the ones that knowingly took dangerous risks got a defacto bailout Depositors, the only ones who got "bailed out," were not informed of whatever investment choices were made by these banks. Occam's razor: Do you think they would have gotten any depositors at all if they'd advertised "There's a small chance our bank will fail and you'll lose everything if interest rates go up by about 400bps from their current all-time low"? Also these banks weren't paying like, insane 15% interest rates or something -- they may have been a bit better than average, but not in too-good-to-be-true territory.