[ummonk]

The "them" in this case are those who gleefully point out that only 250k is insured by the FDIC and any startup that deposited more than that was engaging in risky behavior and deserves to lose their money.

In such a situation, you can't cry foul on those seeking to move their money into safer banks, even if doing so precipitates a bank run.

[salawat]

...I mean, I learned about the FDIC caps in like 7th grade... And my parents also made sure I was aware of it.

Where are all these people who don't know how the system works coming from? Who is advising them?