> And once again, average Americans are going to foot the bill for all of this. If anyone is subject to increased fees for the benefit of de facto federal depo

> And once again, average Americans are going to foot the bill for all of this. If anyone is subject to increased fees for the benefit of de facto federal deposit insurance it will be the beneficiaries, mostly businesses that need sizable sums of money on deposit to operate. At most banks depositors are already paid next to nothing in interest anyway in exchange for the security and convenience that banks are supposed to provide. Large depositors are already paying for that security, they just aren't receiving it or at least are not guaranteed to receive it, which is a major problem, and one that is relatively easy to fix.