> I don't understand why people are blowing this out of proportion

The media is blowing this out of proportion bc it generates clicks.

The investors are blowing this out of proportion bc in the slim chance that the FDIC doesn’t get this resolved over the next week, their companies are at risk. And, helping their companies avoid that albeit small risk is their job.

I agree with you though. The most likely outcome is that almost everyone gets access to most of their funds next week.