[elif]

does that mean that every time you purchase a coffee, 13 transactions take place to keep the distribution balanced?

otherwise 1/12th of your deposits would be the /best case scenario/ not the worst case.. it comes down to the details of how they balance the balances.

[mixdup]

if all of the accounts are below the $250k, then you actually have zero at risk, not even 1/12th

As long as your accounts are under the limits, there's no need to re-balance on outflow, just ensure you remain under the insurance limits at inflow