On the contrary, the Fed came out and pretty much guaranteed that depositors in any bank will not lose money, regardless of FDIC limits [0]. It was people "asse

On the contrary, the Fed came out and pretty much guaranteed that depositors in any bank will not lose money, regardless of FDIC limits [0]. It was people "assessing their banks' solvency" (all at the same time) that caused the bank run in the first place, and our government appears to want less of that. Instead, they want depositors to treat bank deposits as, well, "money in the bank". Whether that is a good thing and ultimately healthy for the banking sector is another question, but you can certainly see how at the time they would not want to incentivize any more panic. [0] https://www.federalreserve.gov/newsevents/pressreleases/monetary20230312b.htm https://www.federalreserve.gov/newsevents/pressreleases/mone...