[bruce511]

It kinda depends on scale doesn't it? For an individual 250k in cash seems like a lot (although can easily happen just before or just after a large purchase.)

For even a "small" business though it's quite small. We're small (<50 employees) but payroll is around 1.5m per month. We keep about 2m as "working capital". This is cash that is literally flowing all the time.

In this context 250k is tiny, and wouldn't cover our day to day balance.

[sneed-oil]

I guess you'll have to wait for The Narrow Bank to become operational. In the meantime the best you can do is lend your money to an institution that is too big to fail.