[diebeforei485]

> If anyone still kept uninsured money there, it's mostly on them.

It's been very difficult for small businesses to open accounts at other banks to move money to. The waiting list is very long, because business accounts require a lot of KYC.

And importantly, the moving out of uninsured deposits (by people who were fortuitous enough to have other accounts to move it to) actually caused the problems we see today.