Rightly so... Deposits above the FDIC-insured limit are at risk, as well they should be. I have absolutely no idea how that leads you to expect banks to take bigger risks.
Right now, there aren't many ways for banks to make profits besides charging their customers fees and riding the stock bubble with the Fed's free money. Well, that bubble is about to burst and the NIRP will further chop off their profits - by making them pay interest on excess reserves and lose depositors en masse once the banks decide to charge their savings accounts. That, in turn, will accelerate the bank stocks sell-off. Cyprus-style bail-in has been rightly mentioned here - NIRP in itself will be a form of bail-in leading to more bail-in for those who were late with taking cash out of their savings accounts.
I'm really curious to hear the reasoning behind other viewpoints. "Empirical evidence" proved worthless in 2008. The talking heads will produce any "empirical evidence" in any quantities as long as they can keep their payroll in return.
under a bail-in the banks confiscate your deposits and the government rubber stamps it. it has nothing to do with fdic.
There's already a long line for those loans ahead of you comprised of the "eligible financial institutions"..
Well, of course it has something to do with FDIC, don't be silly... Up to a certain amount deposits are insured by the FDIC. As to the bail-in, it's not the bank that confiscates your deposit, obviously. As the bank is bankrupt at that point. Whoever is administering the estate (ultimately, the court) will be responsible for dealing with the creditors, including the depositors who are not FDIC-insured.
Huh? Empirical evidence is not produced by "talking heads". It's called empirical, since it is based on actual observed facts. As to being curious, you seem to know exactly what the future holds, so I am really not sure there's any point talking about it.