What the hell are the people in California thinking? Why is there a run on IndyMac Bank AFTER its gone bankrupt and they've lost money. Why?? It was well publicized it was on the verge of collapse. Why the hell would you simply not close the account (or at least have the balance under 100k) and simply put your money in one of the other 8000 banks across this country. Why!!? What's the point lining up at 1am to be the first customer to speak with FDIC. The Bank has already failed. There is no more urgency. If people were concerned about their money, why not withdraw when you had the chance. I hate to say it, but maybe IndyMac was a painful learning lesson in common sense for these people. How the hell did they amass over 100k and not be able to read the writing on the wall. This goes out to WM and WB now too. These banks are probably fine, but why take the chance?