[stanleydrew]

The whole reason we're having this discussion is that it appears to not be universal for anyone with more than the insured limit to split deposits over multiple accounts.

But there's also a big distinction between the working capital required for a business and the size of e.g. a personal savings account, which is kind of getting lost here.

If your payroll is $1M every month then it may not really be practical to split deposits across many accounts.

[tome]

> If your payroll is $1M every month then it may not really be practical to split deposits across many accounts.

Why not? That's only four accounts' worth of full protection.