Yeah I have thought about your point of view, but how much money does the Fed , gov, FDIC have to back it up. Seems like the three are just burning through funds. But hey if you can sleep at night and doesn't bother you great. The only faith I have in this big fiat house of cards is that if we, the US, goes down the rest of the world is coming down too IMHO. Depression no, but world wide recession, which I have been projecting since last fall is spreading. I hope you are right and I am wrong about your deposits.