[rashkov]

How many businesses have less than 250k though? I’m surprised that the insured limit isn’t higher for businesses. Depositing your money in a bank doesn’t feel like it should be a risk/reward decision, like investing in the stock market

[colinmorelli]

This speaks to my latter comment. You can use sweep accounts to increase protection, money market accounts which have different risk profiles, T-bills backed by the USG, etc.

That said, it's all a tradeoff. Increasing FDIC insurance coverage means decreasing the yield on savings accounts, since banks fund FDIC and wouldn't take a cut in profits for it. Not sure what the optimal outcome here really is.