You can't really because healthy banks will fail because of bank runs. Imagine your coworkers bank going under and losing savings above FDIC insured, suddenly e

You can't really because healthy banks will fail because of bank runs. Imagine your coworkers bank going under and losing savings above FDIC insured, suddenly everyone in the office is leaving to withdraw all their savings at other banks who are much less distressed. If banks fail due to mismanagement, letting banks fail should be done, but you can't really blame the banks for not predicting covid and the massive decline in demand for office space. Protecting against once in a lifetime events won't be profitable and governments will have to end up subsidising them anyway.