The recent runs on Silicon Valley Bank and other regional lenders have
   drawn new attention to an old and seemingly intractable question: How
   far should governments go in guaranteeing the safety of bank deposits?
   Many are calling for a bold expansion of deposit insurance, arguing
   this would merely acknowledge where things now stand.
   Insuring All Deposits Wouldn’t Make Banking Safer
   [1]https://www.bloomberg.com/opinion/articles/2023-05-30/insuring-all-b
   ank-deposits-won-t-make-finance-safer

References

   1. https://www.bloomberg.com/opinion/articles/2023-05-30/insuring-all-bank-deposits-won-t-make-finance-safer