Subject: Re: O/t, svb bail out spit ball fight,
"So what is the bad thing that would happen if ALL deposits were covered by deposit insurance? Why don't we do it that way? '' why don't we charge large depositors a fee, to guarantee balances above 250k, like standard insurance?"

Agreed.
Perhaps those levels might need to be subject to inflation adjustments and/or periodic review.
Same for the fees.