I get this line of thinking, but I also think there's a counterargument that we're all on notice now that banks can go under. As commenters in other threads have noted, people are rebalancing their personal and business accounts right now. Companies like Roku probably won't have $400M at one institution anymore (without outside insurance). That means that if this happens again, many of the people who would have been screwed without a backstop this time around will be in the clear next time. There won't be as much pressure applied by high-level executives and lobbyists, so, as the saying goes, "past performance is not a guarantee of future results".