The single greatest threat presently to the US banking system is the pathetically low threshold of FDIC insurance.The mere utterance of a problem at any institution triggers a bank run by those who have exceeded the $250k limit.Ultimately, there are only two options: (1) back stop most/all depositors. Or (2) back stop only Democratic donors who are depositors (SVB), or as Yoda Yellen suggests add the large banks (the ones she represents as an advocate—the central/“National” banks).Choice (2) is a very poor one—UNLESS Biden is ready to defend against an uprising to become a Fascist dictator. And, (1) may result in out-of-control inflation.Looks to me like Biden/Yellen and the Dems have boxed themselves into a corner. JMHO.