[Retric]

There is a vary specific exception. When a lot of FDIC ensured bank fail at the same time the FED create money out of thin air to pay some of the depositors. However, while you may have added a new line in a database somewhere there is a large audit that takes place and you may or may not get though that audit. Though in most cases when a bank fails it's paid out of FDIC funds which are just another form of insurance.