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Moral hazard is an objective term. From the FDIC website, https://www.fdic.gov/deposit/deposits/international/guidance... All you have to do is read the first sentence. And "The FDIC made sure they didn't do the crap they did" is nonsensical. Not to mention, I never once referred to the economic crisis.

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Maybe you didn't follow the economic crisis then? One of the key differences between it and the great depression was the fact that depositor money was not at risk this time around thanks to the FDIC and the regulations surrounding it. There weren't wide spread bank runs wiping out savings accounts that are supposed to be risk free.

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