The FDIC is a joke. As banks fail they will not have enough money to cover the losses. Right now they allege they will cover each separate account up to 250k, e.g., held in one name, held joint with right of survivorship, and held with beneficiary. When push comes to shove they'll probably only honor one account and not up to 250k as they claim. That's if they cover anything.
What you say is what SHOULD happen. Large deposits should be hit with losses. People with money to invest need to be aware of risk, and a bank deposit is a risky asset. The bank may lose money on its assets and not be able to pay you back
But in fact, the Socialist dream you desire is in fact exactly what does happen. No depositor, regardless of size, has ever lost a penny in a deposit at an FDIC insured bank. Socialism is what you want, and socialism is what you’ve got.