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I think you're strawmanning here. I'm not against deposit insurance. I merely suggested it should actually be part of the banking regulation.

Like maybe it's a default line item monthly fee to insure your deposits and you can choose to opt out of it. The default is to protect your funds. My guess is very few people will opt out, including me.

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It is a part of the regulation, up to USD 250k, which appears to be a good limit for people who should be aware of doing stuff like this themselves (in EU it is EUR 100k, so the US more than doubles that amount).

I think this just shows the irresponsibleness of people with large deposits.

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