[anonymouskimmer]

Given payroll and other immediate cash needs, there should probably always have been separate depositor insurance for corporations. In retrospect commingling insurance, and insurance fees, for business and retail accounts seems like a bad idea. It would be really rare that an individual needs the immediate cash flow of a business (and if they do they can split it among multiple accounts), so the risk of not insuring more than $250k for a retail account is much lower than the same risk for a business account (for which multiple accounts would cause more problems than for individuals).