I don't claim to understand anything. But I can read numbers. This report says 47% of BoA's deposits are uninsured: https://www.crowdfundinsider.com/2023/03/203681-sp-outlines-... You may also find this page from the FDIC worth reading: https://www.fdic.gov/resources/resolutions/bank-failures/fai...

> Most business deposits are 85% uninsured because they are about the $400K limits

We have already set the precedent of full deposit insurance.