It makes very little sense to treat depositors as risk takers. These aren't people investing in stocks or bonds. These accounts are places to park your cash. It would be very bad to discourage deposits.

Putting a ceiling on FDIC insurance is effectively an outdated idea that doesn't work.

Take the example of a company that keeps payroll in a cash account. Let's say that company has 100 employees. Should the FDIC treat the account as belonging to 1 person or 100? If you say 1, I say you are irrational.