[zamfi]

No one here actually reading the thread, all assuming you’re talking about SVB and not (as the parent says) previous bank failures.

To address your actual point: we don’t know whether WaMu depositors had a lot in uninsured accounts, probably not as much as SVB, but we do know that all depositors were made whole when JP Morgan Chase bought the bank — from assets WaMu already had, not the FDIC’s pool. Even senior creditors received some amount back!