You said "There's no option to chose for better insurance otherwise I'd already have taken" and "Making better choices is the best insurance". You're now arguing, it seems, the opposite.
If you think the FDIC will always insure depositors over their statutory limits, by all means, make that choice, but don't complain you don't have one.
you're just projecting your prejudices, you're assuming I'm complaining? It's funny because I'm not from the USA and I'm from a third world country where we had the same debate for those who take their money to overseas banks... My country has been having a non stop bank run over the last 20+ years.
If you think the FDIC will always insure depositors over their statutory limits, by all means, make that choice, but don't complain you don't have one.
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